Cookies

11

What Is A Cookie?

Most websites you visit will use cookies in order to improve your user experience by enabling that website to ‘remember’ you, either for the duration of your visit (using a ‘session cookie’) or for repeat visits (using a ‘persistent cookie’).

Cookies do lots of different jobs, like letting you navigate between pages efficiently, storing your preferences, and generally improving your experience of a website. Cookies make the interaction between you and the website faster and easier. If a website doesn't use cookies, it will think you are a new visitor every time you move to a new page on the site - for example, when you enter your login details and move to another page it won’t recognise you and it won’t be able to keep you logged in.

Some websites will also use cookies to enable them to target their advertising or marketing messages based for example, on your location and/or browsing habits.

Cookies may be set by the website you are visiting (‘first party cookies’) or they may be set by other websites that run content on the page you are viewing (‘third party cookies’).

What is in a cookie?

A cookie is a simple text file that is stored on your computer or mobile device by a website's server and only that server will be able to retrieve or read the contents of that cookie. Each cookie is unique to your web browser. It will contain some anonymous information such as a unique identifier and the site name and some digits and numbers. It allows a website to remember things like your preferences or what's in your shopping basket.

What to do if you don't want cookies to be set

Some people find the idea of a website storing information on their computer or mobile device a bit intrusive, particularly when this information is stored and used by a third party without them knowing. Although this is generally quite harmless you may not, for example, want to see advertising that has been targeted to your interests. If you prefer, it is possible to block some or all cookies, or even to delete cookies that have already been set; but you need to be aware that you might lose some functions of that website.

Cookie Settings

If you don't want to receive certain categories of cookies on this website, you can change your cookie settings via your browser; your browser help function will tell you how. Alternatively, you may wish to visit www.aboutcookies.org, which contains comprehensive information on how to do this on a wide variety of desktop browsers.

Note: This website does work without cookies, but you will lose some features and functionality if you choose to disable cookies. By continuing to use this site you are agreeing to the terms of this policy and our use of cookies.

1. Strictly Necessary Cookies

These cookies are strictly necessary to enable you to move about the site or to provide certain features you have requested. Without these cookies, we will not be able to provide certain features, such as login to member areas.

Cookie Name
What does it do?
Provider
ASPSESSIONID This temporary, session cookie is used to identify you as a user between page loads. It is needed if you add items to your shopping basket or login to member-only areas. This cookie is destroyed each time you close your browser. The New Homes Group

2. Performance Cookies

These cookies help to improve the performance of the website, providing a better user experience and helping you find the information you are looking for faster.

Cookie Name What does it do? Provider
_utma This cookie helps us determine the number of unique visitors to our website. Google Analytics
_utmb We use this Google Analytics cookie to help us to record the length of individual sessions from our users on our website. Each time you move to a new page within our website within 30 minutes of arriving the cookie updates so that we know that you are still actively using our website within a single session. Google Analytics
_utmc Similar to _utmb, we use this Google Analytics cookie to help us record the length of individual sessions on our website. Google Analytics
_utmz
This cookie helps us determine the referral method for people visiting our website. This helps us to analyse the traffic arriving at our website and to determine which are the most popular routes (e.g. direct, search engine search, email link). Google Analytics
_atuvc This allows users to share content via Social Networking websites and email. This cookie is used to ensure users see the updated count if they share a page and return to it before the AddThis share count cache is updated. AddThis

Further reading

BBC cookie Information - Our thanks and credit to the BBC for providing a significant amount of this information about cookies

Aboutcookies.org

Wikipedia

YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. YOU MAY HAVE TO PAY AN EARLY REPAYMENT CHARGE TO YOUR EXISITING LENDER IF YOU RE-MORTGAGE.

WE CHARGE A FEE FOR THE SERVICES WE OFFER IN RELATION TO THE ADMINISTRATION OF YOUR MORTGAGE APPLICATION. THE AMOUNT YOU PAY WILL DEPEND ON YOUR CIRCUMSTANCES BUT IS TYPICALLY £499. FEES ARE PAYABLE ON APPLICATION AND ARE NON-REFUNDABLE. WE WILL RECEIVE COMMISSION FROM THE LENDER WE PLACE YOUR MORTGAGE WITH AND WE WILL ALSO RECEIVE COMMISSION FROM THE INSURER IF YOU TAKE PROTECTION WITH THEM.

Mortgages are subject to status, valuation and lender criteria and are not available to persons under the age of 18.

Torc24 is a trading name of Spaull Ltd which is registered in England and Wales under company number 2509770, Registered Office is Cumbria House, 16-20 Hockliffe Street, Leighton Buzzard, Bedfordshire, LU7 1GN. VAT Registration Number is 500 2481 05.
For the activities of advising on regulated mortgages and non-investment insurance contracts Spaull Limited is an appointed representative of Connells Limited which is authorised and regulated by the Financial Conduct Authority. Connells Limited's Financial Services Register number is 302221. Most buy-to-let mortgages are not regulated.

Talk to us by calling 01442 860 700