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By David Turner
The controversy surrounding the mis-selling of mortgages explained simply and clearly so you can understand if you can make a claim for compensation, refund or other redress.
Published: 12/02/2025 – 11:59 | Updated: 12/02/2025 – 16:10
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
- You were not properly assessed for your ability to repay the loan
- You were offered a mortgage product that was not suitable for your financial situation
- You were misled about the terms or risks of the mortgage
- The lender failed to explain the full costs or fees associated with the mortgage
- You were pressured into taking the mortgage or faced unfair sales tactics
- You were offered a sub-prime mortgage when you were eligible for a better option
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
|
|
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
- You were not properly assessed for your ability to repay the loan
- You were offered a mortgage product that was not suitable for your financial situation
- You were misled about the terms or risks of the mortgage
- The lender failed to explain the full costs or fees associated with the mortgage
- You were pressured into taking the mortgage or faced unfair sales tactics
- You were offered a sub-prime mortgage when you were eligible for a better option
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
Mortgage Mis-Selling Claims
Introduction
Many homeowners in the UK have been mis-sold mortgages, leading to unsuitable terms, higher repayments, and financial strain. Mis-selling can occur when a lender does not properly assess your ability to repay or offers a mortgage product that does not meet your needs.
The Financial Conduct Authority (FCA) regulates mortgage lenders to ensure that they act fairly and responsibly. If you were mis-sold a mortgage, you may be entitled to compensation. Some examples of mis-selling include:
- Failure to assess your affordability properly
- Offering a mortgage with unsuitable terms or rates
- Not explaining the risks involved in the mortgage
- Pressured sales tactics or misleading advice
- Offering a sub-prime mortgage to a borrower who was not eligible
- Providing inaccurate or incomplete information about mortgage products
Do I Have a Claim?
If you believe that you were mis-sold a mortgage, there are several signs that could indicate you have a claim. These include:
|
How Do I Claim?
If you think you have been mis-sold a mortgage, you need to contact your mortgage lender and file a complaint. Follow the steps below to make your claim:
Finding the Lender's Complaint Information
To start the process, visit the lender’s website and navigate to the “Complaints” section. This will give you information about where to send your complaint via letter or email, including the correct contact details.
Filing Your Complaint
Once you have the correct contact details, draft your complaint letter or email using the points mentioned above. Make sure to include any supporting documents to strengthen your case.
The lender is required to respond to your complaint within 8 weeks. If they do not resolve the issue, or if they reject your complaint, you can escalate the matter to the Financial Ombudsman Service.
For further information on how to escalate your complaint, visit the Financial Ombudsman Service website:
www.financial-ombudsman.org.uk.
If you need further information about your mortgage, you can send a Data Subject Access Request (DSAR) to your lender. This allows you to obtain all the information they hold about you, which can help with your claim. You have 1 month to receive a response from the lender.
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