Published decisions
8,423
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
30.9%
2,604 upheld decisions
Page summary
8,423 published FOS decisions in Mortgages, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,423
Product-specific decision volume in the public corpus
Upheld rate
30.9%
2,604 upheld decisions
Latest published decision 17 Mar 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
8,423
Product-specific decision volume in the public corpus
Upheld rate
30.9%
2,604 upheld decisions
Leading firm
Barclays Bank UK PLC
1,071 decisions
Leading complaint theme
Delay In Claim Handling
756 tagged decisions
Mortgages in the ombudsman corpus
Analysis8,423 published decisions in this corpus sit within Mortgages. 30.9% 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 63 published decisions with an upheld rate of 34.9%.
- 2026: 63 decisions, 34.9% 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-597948117 Mar 2026Not upheld
Barclays Bank UK PLC · 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 the estate of Mr W to accept or reject my decision before 14 April 2026.
View source decisionDRN-599839017 Mar 2026Not upheld
Preferred Mortgages 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 Mrs H to accept or reject my decision before 14 April 2026.
View source decisionDRN-602908317 Mar 2026Not upheld
Santander UK Plc · Mortgages
My decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Ms B to accept or reject my decision before 14 April 2026.
View source decisionDRN-605887417 Mar 2026Not upheld
Bank of Scotland Plc · Mortgages
My final decision is that this complaint should be fairly and reasonably resolved by Bank of Scotland plc paying Mr and Mrs M £500. I make no other order or award.
View source decisionDRN-615678917 Mar 2026Upheld
Nationwide Building Society · Mortgages
My decision is that I uphold this complaint. I order Nationwide Building Society to pay £250 to Mr and Mrs S in total.
View source decision