Tier 2 sources
Material published by Rooftop Mortgages Limited, BCM Global and related entities. These records are reproduced as evidence of what the companies themselves published. They are not allegations and they are not findings.
Rooftop Mortgages Limited publishes a Treating Customers Fairly statement on its website. It sets out commitments about how the business says it will deal with customers, including a statement about the basis on which fees are charged.
Rooftop Mortgages Limited publishes a complaints procedure and a separate complaints leaflet. Both apply to residential and buy-to-let accounts; no separate procedure for either mortgage type is published. They record the timescales the business says it works to, including a three-day resolution route and an eight-week final response deadline.
The Rooftop Mortgages website publishes a section for customers in financial difficulty. It describes the questions staff will ask, states that assistance will be tailored, and lists forms of assistance including reduced payments — which the page says can include paying nothing for a period — and consent to let on residential mortgages.
Rooftop Mortgages Limited is registered at Companies House under company number 04621865. It was incorporated on 19 December 2002, its registered office is in Ipswich and its status is active. The register of persons with significant control records BCM Asset Services (Holdings) Limited (company number 05505964) as an active person with significant control, notified on 29 July 2016, with ownership of 75% or more of shares, 75% or more of voting rights, and the right to appoint or remove directors. An earlier entry for Rooftop Holdings Limited is shown as ceased.
BCM Asset Services (Holdings) Limited is registered under company number 05505964, incorporated on 12 July 2005, registered in London and active. Its current person with significant control is BCM Global Holdings Limited (13929760), notified on 31 August 2023, with ownership of 75% or more of shares. Ceased entries record Link Group Administration Limited (notified 3 November 2017, ceased 16 May 2024) and Capita plc (notified 6 April 2016, ceased 3 November 2017), each with 75% or more control.
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.
BCM Global publishes a legal page listing the legal entities that trade under the BCMGlobal name. Rooftop Mortgages Limited appears in that list, alongside BCMGlobal London Limited, BCMGlobal Netherlands BV, BCMGlobal (UK) Limited, BCMGlobal Mortgage Services Limited and BCMGlobal ASI Limited. The visible page text says it was updated in August 2023; the page metadata records a modification date of 3 October 2024.
Rooftop Mortgages Limited publishes a notice about the Financial Conduct Authority's Consumer Duty. The published document is marked version 1.0 dated 21 August 2023 and records that the Duty applies to closed products from 31 July 2024. It states that Rooftop is no longer an active lender and that all of its mortgages are closed products.
Rooftop Mortgages Limited publishes the income and expenditure form used when assessing a customer's circumstances. The published document is marked version 1.0 with a release date of 2 October 2020.
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.
Items identified for retrieval. Nothing is asserted about their contents until the published document has been read.
Documents are quoted only in short extracts, with the effective date and a direct link to the published source. Where a company document has been superseded, both versions are retained with their dates so that the position at a given time can be established.