Unfair and mis-sold mortgages have become a widespread problem in the UK over the last 10 years, with many home owners paying over the odds for their home loan. The Financial Services Authority (FSA) have tried to stop occurrences of mis-selling becoming commonplace by regulating mortgage brokers, but unfortunately the scandal of mis-sold mortgage deals is still happening.

In some cases, mortgage brokers and lenders were selling mortgage deals to customers without disclosing information about specifics of the mortgage they were signing up for. Brokers and agents were even encouraging their clients to artificially inflate their income for the purpose of getting a higher mortgage

So how do you know if you have a mis-sold mortgage? It is very difficult to establish if you have no knowledge of the mortgage market or the rules and regulations set down. After all you went to see a professional advisor to get your mortgage, so why would you have a mis-sold mortgage?

If you find yourself answering yes to any of the following questions then we would like to hear from you.

• Is your mortgage on an interest only basis?
• Were you encouraged to self-certify your home?
• Were you presented with only one lender as an option?
• Have you been charged fees for being in arrears?
• Does your mortgage go past your retirement age?
• Did you buy life assurance, payment protection or any other insurance?