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.

Page summary

8,368 published FOS decisions in Mortgages, with upheld-rate context, firm exposure, complaint themes, advisory patterns, and representative cases.

Published decisions

8,368

Product-specific decision volume in the public corpus

Upheld rate

30.9%

2,586 upheld decisions

Latest published decision 02 Feb 2026

Published decisions

8,368

Product-specific decision volume in the public corpus

Upheld rate

30.9%

2,586 upheld decisions

Leading firm

Barclays Bank UK PLC

1,064 decisions

Leading complaint theme

Delay In Claim Handling

726 tagged decisions

Mortgages in the ombudsman corpus

8,368 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 risk signal: medium

How the product moved over time

Mortgages 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 8 published decisions with an upheld rate of 50.0%.

  • 2026: 8 decisions, 50.0% 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

delay 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-579787902 Feb 2026Upheld

Barclays Bank UK PLC · Mortgages

My final decision is that Barclays Bank UK PLC should pay Miss G £150, on top of the £450 it has already paid her. Under the rules of the Financial Ombudsman Service, I’m required to ask Miss G to accept or reject my decision before 2 March 2026.

View source decision
DRN-590714702 Feb 2026Upheld

Accord Mortgages Limited · Mortgages

My final decision is that Accord Mortgages Ltd should: • Honour its offer to allow Mr and Mrs S to switch their mortgage to an offset product that was available in September 2024. • Pay Mr and Mrs S £300 on top of the £200 it has already paid them.

View source decision
DRN-594354402 Feb 2026Not upheld

Lloyds Bank PLC · Mortgages

My final decision is that I do not uphold this complaint or make any order or award against Lloyds Bank PLC. 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 decision
DRN-594738102 Feb 2026Not upheld

Bank of Scotland Plc · Mortgages

My final decision is that I do not uphold this complaint or make any order or award against Bank of Scotland plc trading as Birmingham Midshires. 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 decision
DRN-603108702 Feb 2026Upheld

KIS FINANCE LIMITED · Mortgages

My final decision is that I uphold this complaint in part. In full and final settlement of the complaint, I order KIS FINANCE LIMITED trading as Keeping It Simple Finance to pay £300 compensation for its poor communications and the loss of expectation this resulted in.

View source decision