Complaint not upheldOfficial source – Financial Ombudsman5 January 2026
Three buy-to-let mortgages where, due to arrears, Rooftop appointed Law of Property Act receivers to manage the properties. The receivers decided the properties were not viable as lettings and sold them, the third sale completing in August 2025. The complaint, raised in March 2025, concerned information about the disposals and the receivers' conduct, and was not upheld.
Complaint not upheldOfficial source – Financial Ombudsman11 November 2025
A buy-to-let mortgage held on one property within a wider portfolio. In June 2023 the borrower told Rooftop his buy-to-let business was no longer viable and that he had a buyer for the mortgaged property, but that the sale would leave a shortfall of around £15,000 which he said would be covered by the equity from the sale of another property. Rooftop declined and required full repayment on sale. The other sale did not proceed and both properties were let again. In March 2024 Rooftop started enforcement action because of the level of arrears. In April 2024 the borrower asked Rooftop to hold off, served notice on his tenants and remarketed the property. Rooftop agreed; the property sold for around £35,000 less than the asking price, leaving a shortfall of over £60,000.
Complaint not upheldOfficial source – Financial Ombudsman2 October 2025
Two joint buy-to-let mortgages in arrears. Rooftop's records showed final demand letters issued in August 2023 stating that LPA receivers would be appointed if the accounts were not brought up to date. Receivers were appointed. The complaint concerned notification of the appointment and the information provided about the accounts afterwards, and was not upheld.
Complaint not upheldOfficial source – Financial Ombudsman28 February 2025
A buy-to-let mortgage where the borrowers began having difficulty paying in mid-2023 following interest rate rises. Rooftop appointed Law of Property Act receivers to manage the property. The complaint about that appointment and about Rooftop's conduct was not upheld.
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.
Complaint not upheldOfficial source – Financial Ombudsman27 June 2024
Receivers appointed by Rooftop sold a buy-to-let property at auction, leaving £69,800.45 still owing. The borrower said a letter from Rooftop meant she no longer owed it.
Outcome: The Ombudsman did not uphold the complaint. The shortfall was still owed, and the complaint about the sale itself was not one the service could consider against Rooftop.
Borrower's own account – not verifiedPublic borrower account – not independently verified1 September 2012
A thread started in September 2012 by a contributor describing the appointment of receivers over a let flat.