Published decisions
8,492
Product-specific decision volume in the public corpus
Product analysis
Mortgages complaint analysis
A public view of how Mortgages performs in the published Financial Ombudsman decisions dataset, including volume, outcome mix, firm exposure, and recurring complaint themes.
Upheld rate
31.0%
2,629 upheld decisions
Page summary
8,492 published FOS decisions in Mortgages, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,492
Product-specific decision volume in the public corpus
Upheld rate
31.0%
2,629 upheld decisions
Latest published decision 07 Jul 2026
How to use this page
Read the metrics first, then the ranked view.
The top-line cards show scale and outcome context. The ranked view and representative decisions show where the slice is concentrated and what the published decision set actually looks like.
Published decisions
8,492
Product-specific decision volume in the public corpus
Upheld rate
31.0%
2,629 upheld decisions
Leading firm
Barclays Bank UK PLC
1,077 decisions
Leading complaint theme
Delay In Claim Handling
793 tagged decisions
Mortgages in the ombudsman corpus
Analysis8,492 published decisions in this corpus sit within Mortgages. 31.0% of those decisions were upheld, which makes this a useful public category page for spotting where complaint outcomes have tended to land.
Barclays Bank UK PLC is the single biggest firm exposure inside Mortgages in the published decision set. Delay In Claim Handling is the leading complaint theme in the same category.
- Latest year in the product series: 2026
- Leading precedent signal: Disp
- Advisor uphold-risk signal: medium
How the product moved over time
AnalysisMortgages has a multi-year decision trail in the corpus, which makes it possible to compare recent complaint pressure against earlier years rather than relying on a single snapshot.
In 2026, Mortgages recorded 132 published decisions with an upheld rate of 35.6%.
- 2026: 132 decisions, 35.6% upheld
- 2025: 1,203 decisions, 32.4% upheld
- 2024: 1,828 decisions, 37.3% upheld
- 2023: 1,485 decisions, 35.8% upheld
- 2022: 1,628 decisions, 30.6% upheld
Themes, precedent signals, and handling implications
Analysisdelay in claim handling, affordability assessment failure, fraud or scam concern, and others are the strongest complaint-theme signals in Mortgages. For public analysis, those tags are the closest durable “type” layer available in the dataset.
The existing advisor model also points to recurring handling implications for Mortgages, including review disp precedent (appears in 0.1% of cases), review consumer credit act 1974 precedent (appears in 0.1% of cases), and others.
- Leading complaint theme: Delay In Claim Handling
Representative cases
Recent published decisions in this slice
5 examples shown
DRN-633574307 Jul 2026Upheld
Landmark Mortgages Limited · Mortgages
My decision is that Landmark Mortgages Limited should pay £250 to Mr M, as it agreed to do. It can deduct any compensation related to this complaint that it has already paid.
View source decisionDRN-636864607 Jul 2026Not upheld
HSBC UK Bank Plc · Mortgages
I don’t uphold this complaint. My final decision concludes this service’s consideration of this complaint, which means I’ll not be engaging in any further consideration or discussion of the merits of it.
View source decisionDRN-647469607 Jul 2026Not upheld
HSBC UK Bank Plc · Mortgages
My final decision is that HSBC UK Bank Plc has dealt fairly and reasonably with this complaint such that further redress is not warranted. My final decision concludes this service’s consideration of this complaint, which means I’ll not be engaging in any further discussion of the merits of it.
View source decisionDRN-647509207 Jul 2026Upheld
NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY · Mortgages
My final decision is that NATIONAL WESTMINSTER BANK PUBLIC LIMITED COMPANY should pay Mr L £100 compensation, if it hasn’t done so already. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr L to accept or reject my decision before 4 August 2026.
View source decisionDRN-627008806 Jul 2026Not upheld
Kensington Mortgage Company Limited · Mortgages
My final decision is that I don’t uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr D and Mrs D to accept or reject my decision before 3 August 2026.
View source decision