Based on your results, you may wish to explore:
- Income Protection
Provides a regular monthly income if you’re unable to work.
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Last Update: 12th December 2025
Prudell Ltd (“Prudell”, “we”, “us”, “our”) is committed to protecting your privacy and complying with the UK General Data Protection Regulation (UK GDPR), the Data Protection Act 2018, and other applicable UK data protection and electronic communications laws.
This policy explains how we collect, use, store, and protect your personal data, as well as how our website uses cookies and similar technologies.
Data Controller:
Prudell Ltd, 8 Canfield Place, London, NW6 3BT, United Kingdom.
Company No. 2012093
Authorised and regulated by the Financial Conduct Authority (FCA) – FRN 134411.
Data Protection Contact:
David Keenan — Compliance Officer
Tel: 0207 328 3280 or Email Us
We may collect the following information:
Information you provide directly
Information collected automatically
Information from third parties
We process your personal data for the following purposes:
Providing financial advice and services
Performance of a contract
Processing applications with lenders/insurers
Performance of a contract
Responding to inquiries
Legitimate interests
Meeting legal and regulatory obligations (AML, FCA requirements)
Legal obligation
Improving our website and services
Legitimate interests
Sending marketing communications (optional)
Consent
Assessing product suitability and risk
Legitimate interests / Contract
We will never sell your personal data.
While we endeavour to keep information accurate and up to date, Prudell Ltd makes no representations or warranties:
All third parties are required to process data securely and in accordance with UK GDPR.
Some of our service providers, including HubSpot, may process personal data outside the UK, including in the United States.
Where international transfers occur, we ensure appropriate safeguards are in place, such as:
We retain personal data only for as long as necessary to fulfil:
For regulated financial services, this is typically up to 6 years after the end of the relationship, but may be longer where required by law.
When data is no longer needed, it is securely deleted or anonymised.
Under UK GDPR you have the right to:
To exercise your rights, contact David Keenan.
Cookies are small text files placed on your device when you visit a website. They help the site function properly and provide information to improve your experience.
We use cookies in accordance with the Privacy and Electronic Communications Regulations (PECR) and UK GDPR.
1. Strictly Necessary Cookies (Essential)
These enable core functions such as:
These do not require consent.
2. Performance / Analytics Cookies
Used to understand how visitors use our website so we can improve it. This may include:
We only set these with your consent.
3. Functionality Cookies
Remembers your preferences to enhance your experience (e.g. remembering details you enter into forms). Also used for chatbot operation.
4. Marketing Cookies
We currently do not have any marketing cookies.
Our website is built using Webflow, and uses Webflow’s built-in analytics tools to help us understand how visitors interact with our website.
Webflow Analytics Cookies
Webflow Analytics may set the following cookies:
We only set these with your consent.
Our website also uses cookies set by HubSpot, which supports our CRM and chatbot services.
Common HubSpot cookies include:
HubSpot cookies are not loaded until you provide consent via our cookie banner.
You can manage or withdraw cookie consent at any time via:
Blocking cookies may affect website functionality.
We use a chatbot on our website that is connected to HubSpot CRM to assist with enquiries and customer communications.
Data collected via the chatbot
Please do not enter sensitive personal information unless specifically requested and necessary.
How chatbot data is used
Chatbot data is used to:
Chatbot conversations may be stored in HubSpot CRM and reviewed by authorised Prudell staff.
Automated processing
The chatbot uses automated responses but does not make automated decisions that have legal or similarly significant effects.
We may update this policy from time to time. The most recent version will always be available on our website and the “Last Updated” date will reflect any changes.
If you have any questions about this policy or how we use your data:
Data Protection Contact:
David Keenan — Compliance Officer
Tel: 0207 328 3280 or Email Us
Prudell Ltd, 8 Canfield Place, London, NW6 3BT, United Kingdom.
Understand the risks of major life events before retirement and the possible financial consequences if your income were affected. This assessment will provide guidance on the appropiate insurance protection to consider.
Likelihood
Likelihood
Likelihood
Likelihood
Based on your results, you may wish to explore:
Provides a regular monthly income if you’re unable to work.
These results are illustrative and based on general statistical data. They are not a quotation or personalised advice. Suitable cover and premiums will depend on your individual circumstances and insurer underwriting. Please speak to a Prudell adviser for tailored guidance.
Explore your options in protecting your mortgage commitment.
This is an indicative estimate only. Results are based on the details you provide and typical market assumptions. Availability, terms, and costs may vary following underwriting. This calculator does not provide advice. For a personalised, FCA-compliant review, speak to Prudell.
How much can you save with a mortgage refinance?
This is for capital + interest mortgages only.
This calculator provides estimates only and does not constitute a mortgage offer or financial advice. Figures are based on the information you provide and assumptions that may change. Your actual mortgage options, interest rate, fees, and savings may differ. Speaking to a Prudell adviser will allow us to assess your circumstances and provide personalised advice.
Find the best deals on the market from over 50 lenders.
Based on your details, here are some suitable mortgage options for you.
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Rates shown are indicative and based on current market averages. Actual rates will depend on lender criteria and individual circumstances. To get more information to see the actual products with the named lenders, compare fees properly, and learn which is best for you, get in touch with a Prudell adviser.
Sign up with our partner Dashly, and stay informed with the best rates.
Your mortgage shouldn’t be set and forgotten, many people forget this and end up overpaying. We’ll monitor it for you — and let you know when action is worth taking.
Before buying a property, see how much Stamp Duty is due.
These results should be accurate. Rates last updated on 10.12.25
Get an estimate on how much can you afford to borrow according to lenders.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates).
Estimate how much you could borrow based on income.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates). Use the Mortgage Affordability tool for a 'lender-style' check.
Compare repayment, Retirement Interest Only, and lifetime mortgage options to understand your monthly payments, total interest, and longer-term impact. Adjust the figures to explore how different borrowing types could affect your costs over time.
Interest-only mortgages do not repay capital.
These results are for illustration only and are based on the information entered. Actual lender terms, interest rates and compounding methods may differ. Property growth is assumed at 2.5% per year for illustration and is not guaranteed. For personalised advice and precise figures, please speak to a Prudell adviser.
First-time buyer
95
5.00
First-time buyer
90
4.40
First-time buyer
85
4.20
First-time buyer
75
4.10
New Mortgage
90
4.50
Remortgage
90
4.35
Remortgage
75
4.15
Last Updated: 18/01/26
First-time buyer
95
5.50
First-time buyer
90
5.10
New Mortgage
90
5.00
Remortgage
75
4.60
Last Updated: 18/01/26
Buy-to-Let
90
5.30
Buy-to-Let
75
5.10
Buy-to-Let
60
4.90
Last Updated: 18/01/26
Buy-to-Let
90
5.75
Buy-to-Let
75
5.35
Buy-to-Let
60
5.05
Last Updated: 18/01/26
0.12
0.30
0.55
Last Updated: 18/01/26
Note:
Low/Fee-Free
0
0
0
0
0
Higher rate, minimal upfront cost
Standard
999
0
0
0
-0.10
Typical fee buys a small discount
Premium
1495
0
0
500
-0.20
Lower rate, higher fee, cashback offsets
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Short-term flexibility
Standard
499
0
0
0
-0.05
Slightly lower rate
Incentivised
999
0
0
500
-0.10
Tracker / discounted variable
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common for first-time buyers
Standard
999
0
0
0
-0.10
Most mainstream products
Cashback
1495
0
0
500
-0.20
Higher fee, lower rate
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often used as short-term solution
Standard
499
0
0
0
-0.05
Discounted variable
Cashback
999
0
0
500
-0.10
Less common but exists
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often lender-assisted switch
Standard
999
0
0
0
-0.10
Typical remortgage
Cashback
1495
0
0
500
-0.15
Cashback ≠ full rate buy-down
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common short-term remortgage
Standard
499
0
0
0
-0.05
Discounted tracker
Cashback
999
0
0
500
-0.10
Incentivised but cautious
Last Updated: 27/01/26
Low/Fee-Free
1499
0
0
0
-0.15
Most BTL products
Standard
1999
0
0
0
-0.25
Lower rates for higher fees
Cashback
2499
0
0
500
-0.30
Portfolio / professional landlords
Last Updated: 27/01/26
Low/Fee-Free
999
0
0
0
-0.10
Tracker / SVR discount
Standard
1999
0
0
0
-0.20
Lower margin products
Cashback
1999
0
0
500
-0.20
Less common but valid
Last Updated: 27/01/26