Privacy notice - Home Owners Support Fund
The Home Owners Support Fund is run by the Scottish Government and is made up of two schemes: Mortgage to Rent and Mortgage to Shared Equity.
Both schemes are aimed at helping homeowners in financial difficulty and at risk of repossession.
The Scottish Government is the data controller for personal data we process.
A data controller determines how and why personal data is processed.
Why we need to use your data
We use your personal data to:
- assess your personal and financial circumstances and the risk of repossession
- confirm your eligibility for the schemes and determine which scheme is right for you
- administer applications and manage agreements under the schemes
- share relevant information with third parties such as local authorities/ Registered Social Landlords (RSLs), lenders, trustees and conveyancing solicitors to progress your application
What data we collect
We collect the following categories of personal data.
Identity Information
Your name, title, date of birth and identity documents.
Contact details
Your address, postcode, telephone numbers, email address and contact details for your Money Adviser, trustee, property factors and lenders.
Property Information
The address of the property, construction details, number of apartments and bedrooms, and details of any modifications that require building consents.
Financial Information
Details of your household income and expenditure, secured and unsecured loans (including lender details, loan reference numbers, outstanding loan amounts, savings or endowment policies used as security or other capital holdings).
Household/Tenancy Information
The names and dates of birth of all occupants or tenants, including any disability information relevant to your application.
Our legal basis for processing your data
The legal basis for processing your data will be Article 6(1)(e), performance of a task in the public interest.
In order to process some applications, for example where a member of the household has a disability, the legal basis for this is Article 9(2)(g), for reasons of substantial public interest.
Who else can provide us with data
- you (the applicant)
- other owners with an interest in the property including separated spouses and/ or trustees
- lenders of secured and unsecured debt, DWP and Council Tax departments
- local authorities or other RSLs who operate in your area
- advice agencies assisting with your application
- professional bodies involved in property valuation or conveyancing
When we share data with third parties
We will not share your data with other parties unless it’s lawful to do so. When required, we share your data with:
- our scheme surveyors for the purposes of obtaining a property valuation via a Desktop or Single Survey report
- our scheme solicitors, initially for Property and Personal checks. Later, if your application is successful, we will instruct our solicitors to carry out the necessary conveyancing work
- local authorities/ RSLs, in order to find a potential buyer for your property
- your mortgage lender(s), to progress your application
How long we keep your data
We‘ll keep your data only as long as necessary.
On average, successful applications to the scheme take around 6 months. Most personal data provided for the purposes of your application will be disposed of 6 months after your application ends, whether your case has been successful or not. Where Mortgage to Rent cases are successful, personal data will be deleted after 6 months. However, we will keep copies of legal documents such as Offer Letters and Grant Letters in the event the property is disposed of in future by the buyer, and for auditing purposes
For Mortgage to Shared Equity cases, personal data will be retained until our equity stake has been repaid and for 6 months thereafter.
We’ll adhere to any legal or regulatory requirements for keeping or deleting the information.
Your rights
You have the right to request:
- a copy of the personal data we hold about you
- that anything inaccurate in your personal data is corrected immediately
You can also:
- raise an objection about how your data is processed
- request that your data is erased if there is no longer a justification for it
- ask that processing of your personal data is restricted in certain circumstances
Exemptions
There can be exemptions to these rights in some circumstances. For example, where compliance with a right would likely prejudice the:
- prevention or detection of crime
- apprehension or prosecution of offenders
- assessment or collection of a tax or duty
Contact us or make a complaint
You can contact us to request a copy of the data we hold about you or to make complaint.
hosf@gov.scot
Phone
0300 244 1093
Leave a message on the HOSF answering service and a member of the team will call you back.
Find out about call charges on GOV.UK.
Contacting our Data Protection Officer
You can also email our Data Protection Officer: dataprotectionofficer@gov.scot
Make a complaint to the Information Commissioner
If you’re unhappy with how we’ve used your data, you can make a complaint to the Information Commissioner. This is an independent regulator.
Phone
Telephone: 0303 123 1113
Textphone: 01625 545860
Monday to Friday, 9am to 4.30pm
Find out about call charges on GOV.UK
Website
You can also make a complaint on the Information Commissioner’s website.
Changes to this privacy notice
We may change this privacy notice. In that case, the 'last updated' date on this page will change.