Last updated: 6 October 2026
This cookies policy explains how Chat Mortgages (“we”, “us”, “our”) uses cookies and similar technologies on chatmortgages.co.uk (the “site”). Chat Mortgages is the trading name of Luke Anthony Nicholson, an appointed representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.
When you first visit the site, a cookie banner asks for your choice. Cookies that aren’t strictly necessary only run after you accept them, and you can change your mind at any time (see “How to control or delete cookies” below).
What are cookies?
Cookies are small text files that a website places on your computer or mobile device when you visit it. They’re widely used to make websites work, work more efficiently, and to give the people who own the site useful information about how it’s being used. We also use similar technologies, such as your browser’s local storage, which work in much the same way.
How we use cookies
The cookies and similar technologies on this site fall into four groups:
- Necessary – these are essential for the site to work and to remember your cookie choices. They are always on and can’t be switched off.
- Analytics – these help us understand how visitors use the site, such as which pages are most popular and where people get stuck, so we can improve it. They only run if you accept analytics cookies.
- Advertising – these help us measure how our adverts perform, show our adverts to people who have visited the site, and load content from advertising partners. They only run if you accept advertising cookies. If you arrive from a Google advert, an advert click identifier may also be saved in your browser so we can tell which adverts led to an enquiry.
- Third-party content – some pages use content or services provided by other companies, and those companies may set their own cookies to make their service work.
Cookies and tools used on this site
The table below lists the main tools on this site that use cookies, grouped by purpose. Because many of these are provided by third parties, the exact cookies they set can change — check the provider’s own cookie or privacy policy for the most up-to-date list.
| Tool / provider | What it’s for |
|---|---|
| Necessary | |
| CookieYes | Shows the cookie banner and remembers the choices you make, so the other tools below only run if you’ve agreed to them. |
| Analytics | |
| Google Tag Manager | Manages the analytics and advertising tools on this site. The tags it loads only run according to your cookie choices. |
| Google Analytics 4 | Tells us how many people visit, which pages they view and how they use the calculators and forms, so we can improve the site. |
| Microsoft Clarity | Records how visitors move around and click on the site (session recordings and heatmaps) so we can spot problems and make pages easier to use. |
| Advertising | |
| Google Ads conversion tracking and remarketing | Lets us see which Google adverts lead to enquiries, and show our adverts to people who have visited the site. |
| Meta Pixel (Facebook and Instagram) | Lets us see which Facebook and Instagram adverts lead to enquiries, and show our adverts to people who have visited the site. It only loads after you accept advertising cookies. |
| EmbedSocial | Displays our Google reviews on the homepage. It only loads after you accept advertising cookies. |
| Third-party content | |
| Web3Forms | Handles contact and newsletter form submissions securely, without storing your details on our own server. |
| Google Fonts | Loads the fonts used across the site. |
| Google Maps | Displays a map where one appears on the site. |
| Mortgage-quote.me lender carousel | Displays the scrolling list of lenders we work with on the homepage. |
How to control or delete cookies
You can change your choices at any time through the cookie settings on this site. Use the cookie settings button or link that appears on the page (usually in a corner of the screen) to reopen the banner, then accept or turn off analytics and advertising cookies as you wish. If you withdraw consent, those tools stop running and we won’t set them again unless you accept them.
You can also control cookies through your browser, including seeing what cookies you have, deleting them individually or all at once, and blocking cookies from particular or all websites. Because the steps differ between browsers, the easiest way is through your browser’s own help pages:
- Google Chrome: chrome://settings/cookies
- Safari: Preferences › Privacy
- Microsoft Edge: Settings › Cookies and site permissions
- Firefox: Settings › Privacy & Security
Please note that if you block or delete cookies, some parts of this site — such as the homepage reviews or lender carousel — may not appear or work as intended.
Changes to this policy
We may update this cookies policy from time to time, for example if we start using a new tool on the site. Any changes will be posted on this page, so please check back periodically.
Contact us
If you have any questions about this cookies policy, you can reach me at luke.nicholson@chatmortgages.co.uk or on 07940 585 979.