1,203 published decisions in the corpus sit in Mortgages for 2025. 32.4% of those decisions were upheld, which makes this a strong public cross-section for understanding how one product behaved in one specific year.

Bank of Scotland Plc is the most visible firm inside this year-product slice, with 148 published decisions.

Bank of Scotland Plc, Santander UK Plc, Barclays Bank UK PLC, and others are the firms most often associated with Mortgages complaints in 2025. This gives a much tighter public view than the standalone year or product pages alone.

delay in claim handling, fraud or scam concern, affordability assessment failure, and others are the strongest complaint-theme signals in this year-product combination.

The advisory layer for Mortgages points to recurring handling implications here, including review disp precedent (appears in 0.1% of cases), review consumer credit act 1974 precedent (appears in 0.1% of cases), review fsma precedent (appears in 0.1% of cases), and others.

There is no strong “what loses” signal exposed for this product at the current advisory granularity.