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Security report for charwinmortgages.co.uk

Charwin Private Clients Limited · Finance · United Kingdom

Medium risk. 4 critical or high findings in Security headers and GDPR outside view.

Security score

70/100

Risk levelMedium

0–100, higher is better. How it is calculated

Charwin Mortgages is a UK-based mortgage brokerage firm specializing in providing mortgage and homeowner loan services to clients across all credit profiles, including those with bad or impaired credit. The company operates under Charwin Private Clients Limited, an FCA-authorized entity, and offers a comprehensive suite of services such as remortgages, home purchases, secured loans, debt consolidation, and capital raising. Their market position is strong within the niche of credit-challenged borrowers, supported by trust indicators like Trustpilot reviews and regulatory compliance. Technically, the website is built on modern frameworks including UIkit and integrates multiple analytics and marketing tools, demonstrating a mature digital infrastructure. The site is well-optimized for mobile and accessibility, with good SEO practices. Security posture is solid with HTTPS and secure forms, though some security headers could be enhanced. Privacy compliance is robust with a detailed privacy policy and cookie consent mechanism. Overall, the website presents a professional, trustworthy, and user-friendly experience with a high level of business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

Need hands-on remediation? Email guard@offseq.com

Keep watching charwinmortgages.co.uk

This scan found 21 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
100
Security headers
20
Email security
70
DNS health
60
Network security
100
GDPR outside view
68
Average
70

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Charwin Mortgages targets UK residents seeking mortgage solutions, especially those facing credit challenges. Their business model revolves around brokerage and advisory services with access to a broad lender network and secured loan panels. The company emphasizes quality service over volume, catering to a medium-sized operation founded in 2009. Their competitive advantage lies in specialist lending expertise and comprehensive eligibility tools. Revenue streams likely include brokerage fees and commissions from lenders and insurance providers. The partnership ecosystem includes integrations with mortgage sourcing software and marketing platforms. Growth indicators include a well-maintained website with advanced calculators and positive customer testimonials. Strategic observations suggest continued investment in digital tools and customer service excellence to maintain market leadership in their niche.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and secure form handling including CSRF tokens. The presence of a cookie consent mechanism aligns with GDPR requirements. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options represents an area for improvement. No vulnerabilities or exposed sensitive data were detected in the content. The site lacks a published security policy or incident response contact, which could enhance transparency and preparedness. Overall, the security maturity is good but could be elevated by implementing additional HTTP security headers and formalizing incident response procedures.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and Referrer-Policy to enhance protection against common web attacks.
  2. Publish a dedicated security policy page and provide clear incident response contact information to improve transparency and user trust.
  3. Regularly audit and update third-party scripts and libraries to mitigate risks from external dependencies.
  4. Enhance user privacy controls by offering granular cookie consent options and clear data usage explanations.
  5. Consider adding a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.

Contact details published on the site

Addresses
Legal name
Charwin Private Clients Limited
Registration number
06628612
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Charwin Private Clients Limited
Description
Charwin Mortgages offers mortgage and homeowner loan services in the UK, specializing in helping clients with all credit profiles including bad credit. They provide mortgage eligibility checks, remortgages, purchases, secured loans, debt consolidation, home improvements, and capital raising. The company is FCA authorised and based in Norwich.
Key services
Mortgage eligibility checks, Remortgages, Home purchases, Secured loans, Debt consolidation, Home improvements financing, Capital raising
Content quality
excellent
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, UIkit 3.23.6, Cleave.js 1.6.0, Zoho PageSense, Google Tag Manager, Google Analytics (gtag.js), Fathom Analytics, Facebook Pixel, Taboola
Frameworks
UIkit
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No visible exposed sensitive data
  • Secure forms with CSRF tokens
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Analytics, Fathom Analytics, Zoho PageSense
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Taboola
Tracking pixels
Facebook Pixel, Fathom Analytics, Zoho PageSense
Marketing tools
Zoho PageSense
Transparency
good

Site quality

Design
excellent
User experience
excellent
Content relevance
excellent
Navigation
excellent
Professionalism
excellent
Trustworthiness
high

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Comprehensive privacy policy and cookie consent implemented.
  3. No terms of service page found.
  4. Contact information is clearly presented with phone, email, address, and contact form.
  5. Strong trust signals including FCA authorisation and Trustpilot reviews.
  6. Use of multiple modern analytics and marketing tools with extensive user tracking.
  7. Good technical implementation with modern frameworks and responsive design.
  8. Security headers could be improved for enhanced protection.
  9. No visible security incident response or vulnerability disclosure information.
Technical notes

Notes

The website is built using the KATA Flow CMS powered by Haiku, leveraging UIkit 3.23.6 for UI components and Cleave.js for input formatting. It integrates multiple third-party analytics and marketing tools including Google Analytics, Google Tag Manager, Facebook Pixel, Zoho PageSense, Fathom Analytics, and Taboola advertising. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate, with asynchronous loading of scripts to improve speed. Hosting details are not explicitly stated but domain registration is with Ionos SE. The technical stack is modern and well-maintained, though there is room for improvement in security header implementation and potential reduction of third-party script dependencies to minimize attack surface.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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