Find out if your mortgage has been mis-sold or
over charged

  • Did you take your mortgage out between 1985 and 2013?
  • Have you had an interest-only mortgage?
  • Have you consolidated debts, credit cards or loans into your mortgage?
  • Was your mortgage arranged by a broker?
  • Have you ever missed a payment or has your mortgage ever gone into any arrears?

If you have answered “YES” to any of the above, then you could have a successful mis-sold mortgage claim or over charge claim worth at least £18,000 in compensation^.

Complete the form to start your free assessment.

Our friendly team will be in touch to guide you through the process​

* By submitting this form, you indicate your consent for Crystal Legal Services Ltd to contact you via the information provided in this form. For more information about how we use your information please read our Privacy Policy

Mis-sold Mortgages

Many home owners across Britain are now looking into possible mortgage mis-selling compensation due to being let down by negligent brokers or lenders.

If you have been provided with an unaffordable or inappropriate mortgage where there is little or no chance of you being able to pay your mortgage off at the end of its term, then it is possible you may have valid grounds to claim.

If your lender didn’t discuss how you’d repay the rest of your mortgage at the end of an interest-only mortgage, this could constitute mis-selling.

Did you pay unreasonably high fees to your broker? If so, this could also constitute mis-selling

If you were advised to remortgage your house as a way of consolidating your debts, that could count as mis-selling

Mortgage Over Charging

Over the past 20 years lenders may have been overcharging on millions of mortgages.*

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 interest at the 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 have refunded.

Call us on 01270 44 66 11 or click here to start your free assessment

Examples of Mortgage Mis-sell

Interest-only mortgages

If your lender didn’t discuss how you’d repay the rest of your mortgage at the end of an interest-only mortgage, this could constitute mis-selling

Mortgage to clear your debts

If you were advised to re-mortgage your house as a way of consolidating your debts, that could count as mis-selling

Self Certification Mortgages​

Were you asked to provide evidence of your income, for example, payslips or audited accounts that could prove your income? If not, were you encouraged to take out what is known as a ‘Self Cert’ or ‘Fast Track’ mortgage, where you didn’t need to prove your income?

Negligent advice

Did they work out with you how much money you had left over each month after paying all your bills ie your disposable income? If this wasn’t done, you may have unknowingly over-committed yourself to a mortgage that you couldn’t afford.

Mortgage running past retirement

Is your mortgage due to run past your retirement age? Was this pointed out to you? Did your broker or lender discuss how you would meet your mortgage payments once you were retired? A good example of this would be if someone takes a mortgage out for 20 years at the age of 50.

High Broker fees

Did you pay unreasonably high fees to the broker or advisor that arranged your mortgage? Were you made aware what the fees would be? Were they added to your mortgage without you knowing so that you’re now paying interest on them every month?

Call us on 01270 44 66 11 or click here to start your free assessment

The Mortgage Claim Process

fill out the form

Complete the simple form and one of our specialists will contact you.

We need a short 5-minute call to take down a few details and to send you a pack

return the pack

Read, check and sign the document pack we send to you. Return it using the pre-paid envelope. This pack allows us to speak to your mortgage provider on your behalf

Mis-sale found

If we find you have potentially been mis-sold or overcharged your mortgage, we will work with our panel of solicitors to get the compensation you deserve

Mis-sold Mortgage Claims

Many thousands of home owners across Britain are now looking into possible mortgage mis-selling compensation due to being let down by negligent brokers or lenders.

If you have been provided with a mortgage, between 1985 and 2013, then it is possible you may have valid grounds to claim compensation worth £18,000^ or more.

Call us on 01270 44 66 11 or click here to start your free assessment

About Us

Our mission at Crystal is to Enhance Financial Well-being for all our customers, through reclaiming money, improving access to financial help, or enabling you to protect those things most precious to you and your family. Over the 9 years we have been trading, we have helped over 50,000 satisfied customers, who in turn have given us a 4.6 / 5 customer service rating on Feefo.

Mortgage-Claim.com

http://mortgage-claim.com is a trading style of Crystal Legal Services Ltd.

Crystal Legal Services Ltd Authorised and regulated by the Financial Conduct Authority.

Crystal Legal Ltd may receive a commission from our associated partners if you decide to pursue a Mis-sold Mortgage claim with them.

* Banks face claims blitz over variable rate mortgage charges

“A fee may be charged if you choose to cancel your claim after the cooling off period

^ £18,000 is the award amount before taxes, charges and deductions and is the minimum amount of compensation for each mortgage claim we pursue.

You do not need to use a claims management company to make your complaint to your bank, and if your complaint is not successful you can refer it to the Financial Ombudsman Service yourself for free.

Company registered in England and wales. Company registration 6837474. Registered office: Fairfield House, Back Lane, Spurstow, Tarporley, Cheshire, CW6 9TE.