Published decisions
8,552
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%
2,649 upheld decisions
Page summary
8,552 published FOS decisions in Mortgages, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.
Published decisions
8,552
Product-specific decision volume in the public corpus
Upheld rate
31.0%
2,649 upheld decisions
Latest published decision 25 Aug 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
8,552
Product-specific decision volume in the public corpus
Upheld rate
31.0%
2,649 upheld decisions
Leading firm
Barclays Bank UK PLC
1,085 decisions
Leading complaint theme
Delay In Claim Handling
827 tagged decisions
Mortgages in the ombudsman corpus
Analysis8,552 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 192 published decisions with an upheld rate of 34.9%.
- 2026: 192 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-644092825 Aug 2026Upheld
MTF (NH) Limited · Mortgages
I uphold this complaint and instruct MTF (NH) Limited to pay Mr and Mrs H £500 for the distress and inconvenience it caused. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr and Mrs H to accept or reject my decision before 17 September 2026.
View source decisionDRN-657055625 Aug 2026Upheld
Bank of Scotland Plc · Mortgages
My decision is that I dismiss the complaints which Mr and Mrs H have referred to us before, because dealing with them would seriously impair the effective operation of the Financial Ombudsman Service given that we have previously considered or excluded them, and given there is no material new evidence which has subsequently become available to Mr and Mrs H and which is likely to affect the outcome of those complai...
View source decisionDRN-657536025 Aug 2026Not upheld
Topaz Finance Limited · Mortgages
My final decision is that I do not uphold this complaint. Under the rules of the Financial Ombudsman Service, I’m required to ask Mr T and Ms T to accept or reject my decision before 22 September 2026.
View source decisionDRN-633030521 Aug 2026Not upheld
Bank of Scotland Plc · Mortgages
I don’t uphold this complaint Under the rules of the Financial Ombudsman Service, I’m required to ask Mrs S and Mr S to accept or reject my decision before 18 September 2026. Emma Taskas Ombudsman
View source decisionDRN-646249621 Aug 2026Not upheld
Bank of Scotland Plc · Mortgages
My final decision is that Bank of Scotland plc trading as Birmingham Midshires must do the following – • waive all interest on Mr W’s mortgage from 31 October 2025 until 8 November 2026 inclusive, • pay the legal costs and disbursements Mr W incurred for the aborted sale, planned for 31 October 2025, providing there is evidence of those costs from the solicitors acting for Mr W in that sale, • consider paying the ...
View source decision