Rooftop Mortgages – Tariff of Mortgage Charges, effective 1 May 2019
What happened: 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.
What the document records: The published charges, as printed, are itemised below. Amounts and descriptions are reproduced from the document and are not commentary.
A document published by the company itself. Reproduced as a record of what the company published.
Source details
- Source type
- Official Rooftop document
- Source
- Rooftop Mortgages Limited, Tariff of Mortgage Charges (May 2019)
- Date
- 1 May 2019
- Mortgage type
- Unknown
- Jurisdiction
- United Kingdom
- Organisations
- Rooftop Mortgages Limited
- Source quality
- Company's own document
- Last checked
- 4 September 2026
- Added
- 4 September 2026
What happened
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.
Outcome
- The published charges, as printed, are itemised below. Amounts and descriptions are reproduced from the document and are not commentary.
Charges recorded in this source
| Charge type | Amount stated | Outcome | Interest recalculated |
|---|---|---|---|
| Copy of deeds or documents fee | £25.00 | Published tariff charge | Not stated |
| Copy of mortgage statement fee | £10.00 | Published tariff charge | Not stated |
| Field agent property check fee | £120.00 maximum | Published tariff charge | Not stated |
| Reference or questionnaire request fee | £20.00 | Published tariff charge | Not stated |
| Subsequent charge consent fee | £60.00 | Published tariff charge. The tariff states: “This fee is charged whether we give our consent or not”. | Not stated |
| Consent to letting fee | £60.00 | Published tariff charge | Not stated |
| Change to mortgage term fee | £90.00 | Published tariff charge | Not stated |
| Lease variation fee | £50.00 | Published tariff charge | Not stated |
| Valuation fee | Variable | Published tariff charge | Not stated |
| Arrears management fee | £50.00 | Published tariff charge. The tariff states: “No fee will be charged where an agreed arrangement is in place and being paid”. | Not stated |
| Unpaid cheque fee | £20.00 | Published tariff charge | Not stated |
| Unpaid direct debit fee | £20.00 | Published tariff charge | Not stated |
| Field agent visit fee | £120.00 maximum | Published tariff charge | Not stated |
| Field agent visit cancellation fee | £54.00 | Published tariff charge | Not stated |
| Solicitors instruction fee | £80.00 | Published tariff charge | Not stated |
| Repossession fee | £300.00 | Published tariff charge | Not stated |
| Unpaid ground rent and service charges fee | £65.00 | Published tariff charge | Not stated |
| Redemption fee | £100.00 | Published tariff charge | Not stated |
| Deeds dispatch fee | £25.00 | Published tariff charge | Not stated |
Key extracts
“No fee will be charged where an agreed arrangement is in place and being paid.”
Rooftop Mortgages, Tariff of Mortgage Charges (arrears management fee), effective 1 May 2019
“Please note that these charges are subject to a regular review and may therefore change during the term of your mortgage”
Rooftop Mortgages, Tariff of Mortgage Charges, effective 1 May 2019
Why this record may be relevant
A fee is normally applied under the tariff in force on the date it was charged. This is the earlier published version, so a charge applied between May 2019 and the 2025 version should match these figures rather than the current ones.
Source
Rooftop Mortgages Limited, Tariff of Mortgage Charges (May 2019)
View original sourceRetrieved directly from the PDF hosted on Rooftop's own website on 4 September 2026. The document prints its own effective date of 1 May 2019.
If you believe this record is inaccurate or incomplete, see corrections and right of reply.