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Last updated: 14 November 2023

Please read this cookie policy carefully as it contains important information on who we are and how we use cookies and similar tools to improve performance and enhance your user experience whilst using our site, (the Site).

This policy should be read together with our Privacy Policy which sets out how and why we collect, store, use and share personal information generally, as well as your rights in relation to your personal information and details of how to contact us and supervisory authorities if you have a complaint.

By continuing to use the Site, you agree to our use of cookies.


Our Site is generally operated by Limited, (we, us or our), a limited company registered in Northern Ireland with company number NI603400 and having its registered office at Unit 2D, Jennymount Business Park, North Derby Street, Belfast, BT15 3HN.

The mortgages sub-domain on our Site (see, or any similar or related sub-domain) is operated by our sister company, PropertyPal Mortgages Limited (PropertyPal Mortgages), a company incorporated in Northern Ireland under company number NI632933 having its registered office at Unit 2D, Jennymount Business Park, North Derby Street, Belfast, BT15 3HN.

We generally use cookies and similar tools to improve performance and enhance your user experience whilst using the Site, and PropertyPal Mortgages uses cookies or similar tools, in relation to those parts of the Site relating to mortgages for similar purposes.

As such, and where relevant to your use of those parts of the Site, or use of the Site for any purposes relating to mortgages, any reference to we, us or our in this cookies policy, shall be references to PropertyPal Mortgages.


Cookies are text files which a website may put on your computer or other device when you first visit a site or page. The cookie will help the website, or another website, to recognise your device the next time you visit. Web beacons or similar files can also do the same thing. The term "cookies" is used in this policy to refer to all files that collect information in this way.

Cookies serve many functions. For example, they can help analyse how well the website is performing, to remember your username and preferences, or even allow recommendations to be made regarding content we believe will be most relevant to you.

Personal information can contain certain personal information - for example, if you click to "remember me" when logging in, a cookie will store your username. Most cookies won’t collect information that identifies you and will instead collect more general information such as how users arrive at and use the website, or a user’s general location.


Generally, we use cookies to perform up to four different functions:


Some cookies are essential for the operation of the Site. For example, some cookies allow Us to identify registered users and ensure they can access their 'registered users only' pages. If a registered user opts to disable these cookies, the user will not be able to access all of the content that registration entitles them to.


Functionality cookies allow us to remember your preferences. For example, cookies save you the trouble of typing in your username every time you access the Site, recall your saved searches and properties you have added
to your favourites, and where relevant, any details you have entered into the calculations or other interactive features in relation to mortgages on our Site.


Other cookies analyse how visitors use the Site and to monitor website performance. We can therefore try to provide a high-quality experience by customising our offering and quickly identifying and fixing any issues that arise. For example, performance cookies keep track of which pages are very popular, which method of linking between pages is best, and can be used to determine why some pages are receiving error messages. We might also use these cookies to highlight articles or site services that we think will be of interest to you based on your usage of the Site.


The Site and our advertisers use cookies to serve you with advertisements that we believe are relevant to you and your interests. For example, if
you read a number of articles on mortgages on the website or on other sites, a bank might infer you are interested in this topic and serve you with our mortgage advertisements. You might see these advertisements on the website and on other sites that you visit. However, we do not tell our advertisers who you are.


We use both 'Session ID Cookies', which allow us to track your actions during a single browsing session, but do not remain on your device afterwards,
and ‘Persistent Cookies’, which remain on your device between sessions, for the purposes outlined below. Unless otherwise specified below, each of the cookies we use are Persistent Cookies.

Session ID and Persistent Cookies can be either first or third-party cookies. A first-party cookie is set by the website being visited and a third-party cookie is set by a different website. Both types of cookie may be used by us or our business partners, and we have divided the specific cookies below into first-party and third-party cookies.

Any third-party cookies will be governed by their own terms and privacy policies, so you should read these before giving your consent to enable these third-party cookies. Please note that we have no control over third-party cookies.

We may also collect and store personal data on your computer or other device using application data caches and browser web storage (including HTML 5) and other technology.

You can find more information about the individual cookies we use and the purposes for which we use them in the table below:

ProviderCookieOpt Out?Usage
Amazonad-privacy, ad-idYesThese cookies improve the personalisation of advertising and track the interactions with adverts placed by the Amazon ad system.
Cloudflare__cf_bm, cf_clearanceNoThese cookies are set by our IT security partner Cloudflare in order to ensure monitor traffic and secure our systems from malicious third parties.
For more details please visit the Cloudflare website.
Google Ad SystemIDEYesThese cookies are used by the Google AdManager to improve the personalisation of advertising and track the interactions with adverts placed by the Amazon ad system.
Google AdManagergadsYesThis is an advertising tracking cookie that will allow Google ad system to provide personalised advertising and track your interaction with advertising.
Google Analytics_gat*, _gid, _ga, _ga*NoThese cookies track user activity on the Site to allow us to monitor the general performance of and activity on the Site.
Google LoginLSID, _Host-GAPS, ACCOUNT_ CHOOSER, SMSV, Host-3PLSID, user_idOpt InThese are Google login cookies for use with the 'Login With Google' button. By using the Google Login and accepting their terms and conditions you opt in to accepting these cookies.
PropertyPalorderKey, previousValue, previousDeposit, previousTermNoThese cookies are set by PropertyPal and used to remember your device and preferences while using the website in order to improve the user experience.
PropertyPalclient-tokenNoThis is a security cookie used by us to support retention of your login, when logged into the website, or uniquely identify your browser anonymously when not logged in to support retaining recent searches and property views.
PropertyPal_pbjs_userid_consent_dataYesUsed to know if the user's consent choices have changed since the last page load.

Please note that there are further cookies used for advertising purposes which can be opted out individually or collectively via the Google as found by clicking on the 'Change Privacy Settings' in the footer of the website.


Advertisers sometimes use their own cookies to provide you with targeted advertising. For example, advertisers may use a profile they have built on websites that you have previously visited to present you with more relevant advertisements during your visit to the Site. We believe that it is useful to our users to see advertisements that are more relevant to their interests.

We also use or allow third parties to serve cookies that fall into the four categories above. For example, like many companies, we use Google Analytics to help monitor the website traffic. Our Privacy Policy describes how we may collect data in further detail. We may also use third-party cookies to help with security, market research, revenue tracking, improving Site functionality and monitoring compliance with our terms and conditions and copyright policy.


As explained above, cookies help you to get the most out of the Site.

The first time you accessed the website, you should have seen an overlay which explained that by continuing to access the Site, you are consenting to the use of cookies by us.

However, if you do wish to disable Our cookies then please follow the link to ‘Change Privacy Settings’ in the footer of the website.

Please remember that if you do choose to disable cookies, you may find that certain sections of the Site do not work properly.


Emails from us may contain a single, campaign-unique “web beacon pixel” to help us determine whether our emails are viewed and verify any clicks through to links or advertisements within the email.

This information may be used for purposes including determining which emails are more interesting to users, to query whether users who do not view emails wish to continue receiving them and to inform our advertisers in aggregate how many users have clicked on their advertisements. The pixel will be deleted when you delete the email. If you do not wish the pixel to be downloaded to your device, you should select to receive emails from us in plain text rather than HTML.


If we make any material update to this Cookies Policy, we will notify you. Otherwise you should check this policy whenever you use our Site to ensure you are happy with its content at that time, as it will be binding upon you without further notice.

Historic versions can be obtained by contacting us.