Been hit with unfair early redemption penalties on your mortgage?

Concerned about secret commissions?

Think you have overpaid?

You could get the HBC Group to ensure the mortgage you signed up for complies with consumer protection laws. We will then pass it on to our legal team and if it doesn’t comply, you could be eligible for thousands of pounds in compensation.

Have you been mis-sold your mortgage?

Most people just automatically assume mortgages comply with the law because they’re calculated by financial experts at big companies.
However, this isn’t always the case.

An undercover investigation by Which? Money found only four out of 50 advisers gave acceptable advice – and 41 out of 50 failed to provide one or more pieces of key information.

If you think you’re owed money as a result of unfair terms and conditions, miscalculated interest rates and hidden charges, then our legal experts are on your side.

Our legal team has already unearthed many mortgage agreements which go against the law and a growing number of people are beginning to realise they may be able to claim back thousands of pounds on their loan.

What can I claim for?

Our legal team can review any mortgage which has had a payment made on it in the past 12 years, to check whether it complies with the law.

Our solicitors will carry out an in-depth mortgage review, identifying any aspects that are unfair.

• Our solicitors will review the mortgage for all key aspects of the agreement, including:

• Mortgage indemnity guarantees

• Unfair early redemption penalties

• Sub-prime mortgage agreements

• Payment Protection Insurance (PPI) policies

• Secret commissions

• Miscalculated Annual Percentage Rates (APRs)

• Unfair charges,

• Unfair terms and conditions

• Any form of ‘unjust enrichment’ by the lender

Overpayments

Our solicitors will then work on your behalf to recover any money that you have overpaid and any unfair charges that have been levied by the mortgage lender, while also claiming any compensation you may be due.

There is a one-off fee of £495 for carrying out a detailed mortgage review. Other than this, there are no other costs and you will keep 100% of the money we reclaim for you.

How does it work?

1. Simply fill in the online mortgage review application form or contact us by phone.

2 . You will then be sent a mortgage review claim pack that includes a letter to sign, called a ‘letter of authority’. This gives us permission to deal with your mortgage offer in relation to your audit and potential claim.

3. When you return the signed letter of authority, you will also need to send us a copy of your original mortgage offer. If you don’t have a copy of this document, we can request it from your lender at no additional cost to you.

4. We’ll also ask you for payment of £495 to cover the cost of the mortgage review. If the review shows grounds for a compensation claim, we will progress your claim on a ‘no win, no fee’ basis, keeping you informed every step of the way. If the mortgage review does not show any grounds for a compensation claim, we’ll refund 100% of the mortgage review fee.

5. On settlement of your mortgage review claim, you keep 100% of the payout plus any interest.

Simply click here, or call us on 0208 888 8373, no obligation consultation, and together we can take the first steps to checking your mortgage complies with the law – and obtaining compensation for you.