What can I claim for?

At Ratio, we 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

We 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.

We charge 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.