We are a firm with extensive legal experience, and offer a legal audit service to identify if you have a Mortgage Claim.

Together with our preferred solicitor we have over 35 years experience in finance and commercial matters, so your claim is in safe hands.

Since the last recession in 1992 the property market has experienced unprecedented growth. The value of property in the UK was going up so fast that lenders were able to continue to provide finance on the basis the prices were going to continue to rise.

In some ways this made it very easy for customers to borrow money irrespective of their financial situation or employment status, which meant mortgages and sub-prime mortgages were almost too east to obtain.

It was also possible to raise a mortgage that was actually higher than the value of the property and we have known instances where clients were lent more than 8 times the annual income.

The majority of these deals were pushed through because the commissions were so high and in many cases the commissions were much higher than if the mortgage advisor had recommended a standard mortgage from a high street lender.

Ultimately, this lead to some mortgage advisors taking advantage whereby they would recommend a mortgage product on the basis it would earn them more commission rather than provide the client with a mortgage that is most suited to their needs.

A mortgage advisor is a professional that is actually regulated by the FSA (Financial Services Authority) whereby the advisor has a duty of care to the customer. The purpose of the FSA is to ensure all the advice provided by a mortgage advisor is compliant with the regulations as specified by the FSA and the Mortgage Code of Business guidelines, namely (MCOB).