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Mortgage Advice Claims

You may not realise it but you might have been mis-sold your mortgage.  The mis-selling occurs when the mortgage advised to you was not “suitable” for you.  

That can happen in many ways. 

For example, were you on a repayment mortgage and then advised to move to interest only?  That happened to a lot of people before the 2008 Credit Crunch.  Now the interest only terms are ending and they face losing their homes.

We can help you with that trap.

We have also seen a lot of mortgage advice which was motivated by an adviser’s fee rather than the best interests of the client. 

We can help put that wrong right. 

If you would like to know more about our services, please contact us.

If you have an interest only mortgage we sincerely believe that you will benefit from filling in this Contact Form for each mortgage you have had since 30th October 2004.

Contact Form

FAQs

Yes. All we need to get started is the name of your lender. We can then start piecing your claim together.

Yes, we can. It doesn’t matter if you’ve remortgaged 3 or even 4 times since then. We can still investigate a potential successful claim

Not necessarily. It depends upon your facts. We cannot advise you unless you sign up. However, in general, if the adviser is (1) insolvent a claim is still possible and (2) solvent a claim is less possible. Contact us for more information.

Yes, absolutely providing the mortgage advice (probably a remortgage) occurred after 30th October 2004.


Information required by our regulator

FCA Handbook:  as we are authorised and regulated by the FCA, we must comply with the CMCOB Claims Management Sourcebook.

CMCOB 3.2.1:  We simply wish to talk to you to provide you with more information.  We therefore believe our messages in this website comply with the “fair, clear and not misleading” rule. 

CMCOB 3.2.6:  The type of claim we can help you with could be submitted to the FSCS.  We are not allowed to “suggest” to you that you “will have a more favourable outcome” if you use our services.  However, you are free to form your own opinion.

On this website, we have referred to open-source data from the FSCS’s website.  By comparing it to our confidential data, we know we are responsible for 80% of the mortgage claims paid out in 2024/25.  That is a factual statement.  It is not a suggestion or an opinion that you will have a “more favourable outcome” if you use our services.

Our interpretation of CMCOB 3.2.6 is that it is not intended by the FCA to prevent consumers from having access to fact.  It is designed to stop firms making groundless claims.  We whole-heartedly support that aim.

CMCOB 3.2.7:  To satisfy this rule, we state that you are “not required” to use our services.  It is possible for you to present your claim to the FSCS yourself, without paying any fees.

However, it is only fair that you know that the FSCS has sought to impose “rules” since 2024 which include deadlines to limit (1) the evidence put forward and/or (2) the ability to ask for a review.  You might conclude that these rules could prejudice the outcome of your claim.  We must not make any such suggestion.

CMCOB 3.2.9:  on this website we stated that our services are supplied on a “no-win, no-fee”.  We are therefore also required to state that:-

    1. the fee you will pay depends upon the compensation you receive and is controlled by the FCA’s Fee Capping Rules; and
    2. if you terminate our retainer after we have embarked upon your claim, we will charge you a termination fee which is a reasonable fee and reflects our lost opportunity to receive the whole agreed fee.