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Enter your details below for a no obligation assessment of your mortgage.

Welcome to Mortgage.Claims! If you have taken out a mortgage in the UK after the 1st July 1995 you may be due compensation. Mortgage.Claims specialise in mortgage assessments and can help you get any potential compensation you may be entitled to.

  • Has your mortgage been running for over 6 years?
  • Have you had an interest only mortgage with no plan to repay the capital?
  • Have you consolidated debts, credit cards or loans into your mortgage?

  • Have you ever missed a payment on your mortgage or has your mortgage ever been in arrears?

If any of the above applies to you, it is likely that you may be eligible for our mortgage assessment.

About Mortgage.Claims

At Mortgage.Claims our mission is to help you identify and seek any compensation you may be owed from your mortgage lender or broker.

Unlike claims of the past which may have recovered several thousands, mortgage cases can result in higher compensation values due to the higher value of mortgage loans.

What does this mean to you? Put simply, confidence! You can feel confident that our assessment is thorough and precise through ascertaining the merits of potential claims.

If your assessment is successful, our results can then be utilised by one of our panel of solicitors, to help them prove you are entitled to compensation and quantifying how much you are owed.

If you have had a mortgage, or even multiple mortgages, in the UK, Mortgage.Claims are waiting to help assess these and identify if you may be owed compensation on one or more of your mortgages.

Mortgage.Claims is part of ME Legal & Financial Limited. We are specialists in seeking compensation for financial mis-selling and miscalculation cases. ME Legal and Financial Limited is authorised and regulated by the Financial Conduct Authority (FCA) for regulated claims management services. Our temporary permission firm reference number is: 829976.

At Mortgage.Claims we perform a comprehensive review of your mortgage for:

  • Negligent mortgage advice
  • Overcharging

We will assess the merits of your case to establish whether we believe you have a reasonable prospect of success. If you wish to pursue a claim, our panel of expert solicitors, who specialise in mortgage compensation, can progress your case on a No Win No Fee basis*. You are under no obligation to complete a claim using our services. You can refer your complaint to The Financial Ombudsman Service, whose services are completely free of charge, alternatively you could choose to use your own legal representative.

The assessment process is free, all you have to do is complete our simple assessment form and we will tell you instantly whether you are eligible for a mortgage assessment.

Mis-Sold Mortgages

Negligent advice from a broker or an advisor may have resulted in your mortgage being mis-sold. Many people do not realise that they have been mis-sold a mortgage product and the term “mortgage mis-selling” can cover a wide range of scenarios, as each case will be fully assessed based on the individual circumstances.

The law states that brokers and advisors must ensure that mortgages are affordable throughout the entire mortgage term. If it can be established that your mortgage was mis-sold, then you may be able to claim for losses from the day your mortgage began.

Your broker or advisor should have explained Interest Only mortgages vs Capital Repayment mortgages, and should have ensured you had an adequate repayment method in place. This type of mortgage seems cheaper in the short-term but in the long-term it is significantly more expensive.

A mortgage may have been mis-sold if:

  • You were advised to take a mortgage product that was not suitable for your needs

  • You were advised to take one product over another on the basis that the broker would receive a larger commission

  • You were advised to consolidate debts, loans or credit cards by re-mortgaging

  • You reach retirement age before your mortgage ends
  • The broker did not submit the correct information on the mortgage application in order to obtain a higher mortgage offer
  • You were not told about the commission your mortgage advisor would receive from the mortgage lender

  • You were advised to switch mortgage lenders without being told about any fees and penalties that may have been incurred

  • Adequate checks were not carried out by the lender or broker to ensure a suitable repayment method was in place

If you are in an IVA or Debt Management Plan, please Click Here for further information before applying.

Mortgage Overcharging

When a mortgage offer is made to a potential borrower this offer will specify the interest rate that applies to that mortgage. The borrower will accept this offer expecting to be charged the interest rate specified in the mortgage offer. Given the complexities of calculating interest the borrower puts their trust in the lender that the payments will be calculated correctly and in accordance with the agreement.

Unfortunately, many people have made overpayments on their mortgage due to miscalculations on the part of their mortgage lender. Many lenders have misallocated payments and applied incorrect interest rates. This has resulted in some borrowers being overcharged thousands of pounds which they may be entitled to claim compensation for.

Mortgage overcharging may have occurred if:

  • You took out a mortgage after the 1st July 1995

You are likely to have been overcharged if:

  • You have ever fallen into arrears with your mortgage
  • You have been charged excessive administration fees or arrears fees
  • The lender paid your broker or advisor a fee that was added to the mortgage

  • You are a ‘mortgage prisoner’ – trapped in your current mortgage and unable to switch to a new one

A True No Win No Fee*

To ensure our services are available to every person in the UK (excluding Northern Ireland), regardless of their financial circumstances, all of our cases are taken on a True No Win No Fee* basis. This means that if your claim is unsuccessful you will not  be charged.

There is no charge at all for us to begin your assessment, and you are under no obligation to pursue a claim once our assessment has been completed.

If your case passes our assessment and is with one of our recommended panel solicitors, there is a 14-day cooling off period after you have signed up to the solicitor’s terms of business. If you cancel outside of the 14-days you may be charged for the legal expenses incurred on your behalf up to the date of cancellation. There is no charge if you complete your claim, but it is unsuccessful.

If you are in an IVA or Debt Management Plan, please see our FAQs for further information before applying.

A Specialist Mortgage Assessment

To find out if you are eligible for an assessment, you will need;

  • The name of your mortgage provider
  • The date the mortgage started
  • The mortgage value when your mortgage commenced

You may still be eligible to claim if:

  • You had a joint account with someone you no longer live with; each person may be entitled to compensation

  • You don’t currently own the property that was mortgaged

  • The broker or advisor who arranged your mortgage is no longer trading. It may still be possible to pursue a claim with the Financial Services Compensation Scheme (FSCS).

Frequently Asked Questions

Your mortgage provider has a duty to treat you fairly and there are no grounds for them to ask for the mortgage to be repaid, or to change the payments based on a claim being made. However, if we identify a mortgage overcharge on the part of your lender and your claim is successful, your payments may change following your claim as the lender will be required to apply the correct interest and charges.

Your lender should only delete or destroy documentation if your mortgage has been redeemed or your mortgage account has been closed for over 6 years. However, we may still be able to help if you hold any documentation relating to your mortgage, such as the Application Letter, Offer Letter and Mortgage Statements.

If the company or advisor who arranged your mortgage has ceased trading, we pursue your claim with the Financial Services Compensation Scheme (FSCS).

We are able to take forward your case on a single applicant basis, however you will only be entitled to half the compensation if your claim is successful.

If you are currently in an Individual Voluntary Arrangement (“IVA”) or Debt Management Plan (“DMP”) and your claim is successful, any proceeds (after deduction of the charges payable for the claim) will contribute to your IVA or DMP in the first instance, prior to any surplus compensation being sent to you.

You may still be able to claim in the event of the following:

  • Your property was repossessed as you could not afford the mortgage payments
  • You have sold the property to downsize or rent

We are able to take forward your case on a single applicant basis, however you will only be entitled to half the compensation if your claim is successful.

In the event of a deceased applicant, we can assess your case, provided that you can supply us with a death certificate, name of the executor of the deceased estate, a grant of probate or letters of agreement. However, please be advised that not all lenders will be willing to release the personal information of the deceased party. In those instances, we will be unable to process your claim if you are making a claim solely on the behalf of a deceased party.

Claims are expected to take between 12-24 months to complete.

Mortgage.Claims do not charge you for our services. Once our in-depth assessment has identified that your claim meets the required criteria you will progress with a chosen solicitor. If your case is successful, the solicitor will charge you for their services by deducting a percentage of your compensation. Typically, this will range between 25-35% + VAT. Certain law firms may also deduct legal expenses from your compensatory award.

If you have any outstanding liabilities (excluding your current mortgage account) with the financial institution or person against who the claim is made, any compensation awarded, may in certain circumstances, be off-set against those outstanding liabilities. To be clear, should your case be unsuccessful, you will not be charged.

The majority of mortgage cases are settled before litigation. However, if your case is against a broker who is still trading, or a lender chooses to litigate, then your law firm will represent you in this matter. In that instance, you may be required to attend court.

After the Event (“ATE”) Insurance is an insurance policy which covers the legal costs and expenses involved in pursuing a claim. This insurance covers the legal costs claimants must pay to a defendant when a claim is unsuccessful or terminated on the advice of a solicitor. It also covers the legal costs payable to a defendant in the event of an unsuccessful claim. ATE Insurance is purchased after the incident which has caused loss to the claimant, but normally before any significant legal costs or disbursements are incurred, so most ATE Insurance policies are purchased at the point at which a solicitor begins a claim.