Company documentCompany document – Rooftop3 February 2025
Rooftop Mortgages Limited publishes a tariff of mortgage charges on its website. The version archived here states that it is effective from 3 February 2025 and sets out the fees the business says it may apply during the life of a mortgage, including fees connected with arrears, field agent activity, instructing solicitors, instructing receivers on buy-to-let accounts, repossession and redemption.
Company documentCompany document – Rooftop1 May 2019
The earlier version of Rooftop's tariff of mortgage charges, printed as effective from 1 May 2019 and still hosted on the company's own website. It sets out the fees the business said it might apply during the life of a mortgage, including arrears, field agent, solicitor instruction, repossession, ground rent and service charge, and redemption fees. It contains no receiver instruction fee.
Complaint not upheldOfficial source – Financial Ombudsman20 April 2019
A leasehold mortgage originally taken out with another lender and later transferred to Rooftop. Rooftop paid service charges claimed by a management company after receiving a county court judgment and, later, a notice of proposed forfeiture, and charged a fee for making those payments. It also asked the borrower to pay arrears said to have been capitalised by the previous lender and sent field agents to visit. The management company later accepted that its notice was incorrect in parts and refunded the money paid by Rooftop, which put the account back into the position it would have been in. The complaint was not upheld.