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with an INTEREST-ONLY MORTGAGE?

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Mis-sold Mortgage Compensation

A mis-sold mortgage can be crippling.

Because of that, as of 2004 the FCA (or rather the FSA before them) introduced the Mortgage Conduct of Business rules (MCOB), laying down the law about what mortgage advisers can and can't do, helping to guard against mis-selling.

Owners of mis-sold mortgages taken on after 31st October 2004 who have suffered can therefore make a claim from their financial adviser, or from the FSCS up to £48,000 per person, meaning around £96,000 for a married couple who entered the mortgage together.

Your mis-sold mortgage and you

The chances are that your family home is going to be your most valuable and most expensive purchase in life, and for the vast majority of people a good a suitable mortgage is required to achieve the goal of home-ownership.

But a good suitable and affordable mortgage is not always on offer from your bank of financial adviser, leaving many lumped with a mis-sold mortgage that could devastate their personal and family finances for years to come.

If you have found your mortgage to be un-affordable, about to run into retirement or think you came off with a worst deal than you were expecting, then reading on could make all the difference to your financial future...

You might be sat on a mis-sold mortgage...

How Mortgages Are Mis-sold

A good mortgage is something most of us hope to have at some point, but there are a number of common failing points that may cause yours to be mis-sold, potentially having severe effects on your future finances and quality of life;

Your adviser has slapped you with a mortgage that might have looked OK on paper, but in practice is completely out of budget and impossible to pay off. Did your adviser take your income and outgoings into account?

You were advised to borrow off your mortgage to invest in unregulated bonds, something that should seldom (if ever) be advised. If something happened to that investment, you would be in serious trouble

Is your mortgage suitable for the rest of your life plans? Are your repayments going to spill over into retirement when you are living solely from your pension? If so, your adviser should have done suitability checks

You had a good credit rating, but were advised to go for a Sub-Prime Mortgage meaning you have to unnecassarily fork out for some seriously large interest rates until it's finished. Why?!

Unfair Fees or Treatment

Did you find out you paid some extortionate fees or were treated unfairly? Were you not informed of any unfair relationships your adviser had with a mortgage provider? You could have been mis-sold.

Nasty: With an Interest-Only Mortgage, you only pay the interest on your mortgage, leaving you with no viable way to repay your mortgage and therefore never actually own your property after years of payments

This might sound great in the short term, but you could simply be spreading your debt over 25 or more years, and paying much more in interest in the long term, meaning you pay even more!

Escape your mis-sold mortgage with a claim!

With Get Claims Advice you benefit from our years of experience in the financial claims industry with nothing to pay upfront, all on a No Win – No Fee* basis, leaving you with nothing to lose and everything to gain!

We know that if you have a mis-sold mortgage then times may be tight, and we don’t see why you should put money upfront.

Instead, because of our years of knowledge and experience we can confidently take you through a FREE initial mis-sold mortgage assessment, and should we have reason to believe you have been mis-sold you have the option to continue with a professionally conducted claim, with nothing to pay until you get your compensation, or not at all!*

No Win - No Fee* 

No Obligation Assessment

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*   ' - refers to more detailed information including cancellation charges applicable after the 14 day cooling-off period explained within our Terms and Conditions * Success Fee charged at 24% inclusive of VAT

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