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Mis-sold Mortgages
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Mis-Sold Mortgages Advice
Mortgage Advice
By David Turner
The If you’ve been mis-sold a mortgage the first step is to gather all the paperwork you have, if any, and hold your lender to account. You might be able make a claim for compensation, refund or other redress.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Mis-Sold Mortgages - Advice
Introduction
A mis-sold mortgage occurs when incorrect or inadequate advice was given at the time of the mortgage agreement, leading to financial loss or difficulty. This could involve undisclosed fees, unsuitable repayment terms, or high-risk mortgage types that were not properly explained.
Do I Have a Claim?
You may have been mis-sold a mortgage if:
- You were not informed about commission fees paid to brokers.
- The risks of an interest-only mortgage were not clearly explained.
- Your mortgage term extends beyond retirement age without proper assessment of your ability to repay.
- You were encouraged to self-certify your income without proper verification.
- You were sold an unsuitable mortgage product without considering your circumstances.
Required Paperwork
Gather the following documents to assess your claim:
- Your original mortgage agreement and terms.
- Mortgage offer documents from the lender.
- Correspondence with your mortgage advisor or broker.
- Financial suitability assessments (if provided).
- Evidence of fees, commissions, or undisclosed charges.
- Bank statements showing payments and interest charges.
If you believe you were mis-sold a mortgage, consider seeking legal or financial advice to assess your next steps.
Mis-Sold Mortgages - Advice
Introduction
A mis-sold mortgage occurs when incorrect or inadequate advice was given at the time of the mortgage agreement, leading to financial loss or difficulty. This could involve undisclosed fees, unsuitable repayment terms, or high-risk mortgage types that were not properly explained.
Do I Have a Claim?
You may have been mis-sold a mortgage if:
- You were not informed about commission fees paid to brokers.
- The risks of an interest-only mortgage were not clearly explained.
- Your mortgage term extends beyond retirement age without proper assessment of your ability to repay.
- You were encouraged to self-certify your income without proper verification.
- You were sold an unsuitable mortgage product without considering your circumstances.
Required Paperwork
Gather the following documents to assess your claim:
- Your original mortgage agreement and terms.
- Mortgage offer documents from the lender.
- Correspondence with your mortgage advisor or broker.
- Financial suitability assessments (if provided).
- Evidence of fees, commissions, or undisclosed charges.
- Bank statements showing payments and interest charges.
If you believe you were mis-sold a mortgage, consider seeking legal or financial advice to assess your next steps.
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You are not alone and there is help
If you’ve been mis-sold a mortgage, you may be facing higher costs, unsuitable terms, or long-term financial strain. Whether you were offered a mortgage without proper affordability checks, sold a product with hidden fees, or misinformed about the terms, this page is here to guide you. We provide clear information to help you identify if you were mis-sold a mortgage, understand your rights, and explore the steps you can take to seek redress. Our goal is to ensure you have the support and resources you need to address the issue and take control of your financial future.
