Chronology
Timeline
Company history, portfolio acquisitions and transfers, published decisions, tariff changes and regulatory developments. Every entry requires a public source before it appears.
2 September 2026 · Company document
Rooftop Mortgages – Treating Customers Fairly statement
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, Our Treating Customers Fairly Statement2 September 2026 · Company document
Rooftop Mortgages – internal complaints procedure and complaints leaflet
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.
Rooftop Mortgages Limited, Making a Complaint / Your Complaint – Our Commitment To You (D1)2 September 2026 · Company document
Rooftop Mortgages – published forbearance and money worries commitments
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, Money Worries section of rooftopmortgages.com2 September 2026 · Company history
Companies House – Rooftop Mortgages Limited (04621865) and its person with significant control
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.
Companies House, register entry for Rooftop Mortgages Limited2 September 2026 · Company history
Companies House – BCM Asset Services (Holdings) Limited (05505964) and its control history
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.
Companies House, register entry for BCM Asset Services (Holdings) Limited2 September 2026 · Document
Secure Trust Bank – published notice that existing mortgages have transferred to Rooftop Mortgages Limited
Secure Trust Bank plc publishes a mortgages page stating that it no longer offers mortgage products to new customers and that existing customers' mortgages have been transferred to Rooftop Mortgages Limited, giving a contact telephone number and opening hours for Rooftop.
Secure Trust Bank plc, Mortgages page23 February 2026 · FOS decision
DRN-6064258 – Buy-to-let term expiry, formal demand and rejected repayment proposals; complaint not upheld
Complaint not upheld. No order or award made against Rooftop Mortgages Limited.
Financial Ombudsman Service, final decision DRN-6064258 (Ombudsman: Jeff Parrington)5 January 2026 · FOS decision
DRN-5818655 – Information about property disposals by LPA receivers; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-5818655 (Ombudsman: Julia Meadows)17 November 2025 · FOS decision
DRN-5886207 – General comparator: interest margin, legal fees and interest on fees removed (Pepper / Engage Credit)
Complaint upheld. Interest margin reduced, overpaid interest refunded with 8% simple interest, legal fees and interest on those fees removed, and £500 compensation paid.
Financial Ombudsman Service, final decision DRN-5886207 (Ombudsman: Simon Pugh)11 November 2025 · FOS decision
DRN-5586287 – Shortfall sale declined in 2023 and agreed in 2024; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-5586287 (Ombudsman: Rob Deadman)2 October 2025 · FOS decision
DRN-5590016 – Notification before LPA receiver appointment and information about receiver fees; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-5590016 (Ombudsman: Ben Brewer)14 August 2025 · FOS decision
DRN-5655816 – General comparator: notice to quit and legal fees added by a lender's solicitors (Barclays)
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-5655816 (Ombudsman: Simon Pugh)28 February 2025 · FOS decision
DRN-5223166 – Appointment of LPA receivers on a buy-to-let mortgage; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-5223166 (Ombudsman: Derry Baxter)3 February 2025 · Company document
Current tariff of mortgage charges takes effect
The tariff of mortgage charges published on the Rooftop website states that it is effective from this date.
Rooftop Mortgages Limited3 February 2025 · Company document
Rooftop Mortgages – Tariff of Mortgage Charges, effective 3 February 2025
The published charges, as printed, are itemised below. Amounts and descriptions are reproduced from the tariff and are not commentary.
Rooftop Mortgages Limited, Tariff of Mortgage Charges11 October 2024 · FOS decision
DRN-4702049 – Overpayment balance, interest rate rises and arrears charges; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-4702049 (Ombudsman: Derry Baxter)8 October 2024 · FOS decision
DRN-4759894 – Missing title deeds, a legal fee and a settlement offer; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-4759894 (Ombudsman: Jan O'Leary)3 October 2024 · Company document
BCM Global – legal entities page listing Rooftop Mortgages Limited
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.
BCMGlobal, Legal page11 September 2024 · FOS decision
DRN-4964739 – Payment of disputed leasehold service charges added to the mortgage balance; complaint not upheld
Complaint not upheld. The earlier period was dismissed without consideration of the merits.
Financial Ombudsman Service, final decision DRN-4964739 (Ombudsman: Rob Deadman)31 July 2024 · Regulatory
Consumer Duty applies to closed products
The Financial Conduct Authority's Consumer Duty takes effect for closed products and services, which includes closed mortgage books.
Financial Conduct Authority27 June 2024 · FOS decision
DRN-4705467 – Shortfall of £69,800.45 after a sale by LPA receivers; complaint not upheld
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.
Financial Ombudsman Service, final decision DRN-4705467 (Ombudsman: Gerard McManus)16 May 2024 · Company history
Link Group control of the BCM holding company ceases
Companies House records the Link Group Administration Limited entry as ceased.
Companies House10 May 2024 · FOS decision
DRN-4575956 – Time taken to respond to a shortfall settlement proposal; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-4575956 (Ombudsman: Paul Cooper)31 August 2023 · Company history
BCM Global Holdings Limited notified as controlling the BCM holding company
Companies House records BCM Global Holdings Limited as person with significant control of BCM Asset Services (Holdings) Limited with 75% or more of the shares.
Companies House21 August 2023 · Regulatory
Rooftop publishes its Consumer Duty notice
Version 1.0 of Rooftop's Consumer Duty notice records that the business is no longer an active lender and that all of its mortgages are closed products, with the Duty applying to closed products from 31 July 2024.
Rooftop Mortgages Limited21 August 2023 · Company document
Rooftop Mortgages – Consumer Duty notice (version 1.0, 21 August 2023)
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, Consumer Duty notice8 March 2023 · FOS decision
DRN-3955250 – Treatment of a £100 overpayment; complaint upheld and interest to be adjusted
Complaint upheld. Overpayments to be applied in line with section 11 of the mortgage offer and backdated, interest adjusted, any interest overpaid refunded with 8% simple interest, and £200 paid for distress and inconvenience.
Financial Ombudsman Service, final decision DRN-3955250 (Ombudsman: Thomas Brissenden)12 January 2023 · Court judgment
Intensity Holdings S.A. v Stratton Mortgage Funding 2019-1 Plc & Ors [2023] EWHC 104 (Ch) – Rooftop named as fifth defendant and as legal title holder
The claim was struck out. The judgment makes no finding of any kind against Rooftop Mortgages Limited; Rooftop was one of the defendants applying to strike the claim out.
High Court of Justice, Business and Property Courts, Business List (Ch), Mr Justice Miles, 12 January 20232 October 2020 · Company document
Rooftop publishes its income and expenditure form, version 1.0
The statement of assets and liabilities, income and expenditure published on the Rooftop website is marked version 1.0 with this release date.
Rooftop Mortgages Limited2 October 2020 · Company document
Rooftop Mortgages – statement of assets and liabilities, income and expenditure form (v1.0, 2 October 2020)
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.
Rooftop Mortgages Limited, statement of liabilities, income and expenditure15 September 2020 · FOS decision
DRN-1852552 – Service charge payments made to a managing agent and charged to the mortgage; complaint not upheld
Complaint not upheld.
Financial Ombudsman Service, final decision DRN-1852552 (Ombudsman: Ruth Stevenson)12 October 2019 · FOS decision
DRN5725301 – Arrears and unpaid direct debit fees; £1,685 refund ordered and interest on fees removed
Complaint upheld. Rooftop Mortgages Limited required, in full and final settlement, to refund £1,685 to the account and rework the mortgage to remove any interest added to those fees.
Financial Ombudsman Service, final decision DRN5725301 (Ombudsman: Jan O'Leary)1 October 2019 · Borrower report
Public forum thread – borrowers discussing the transfer of Mortgages PLC accounts to Rooftop (2019)
A thread started in October 2019 after borrowers received letters about the sale of their mortgage from Mortgages PLC to Rooftop.
MoneySavingExpert forums, “Mortgages PLC & Rooftop Mortgages”1 May 2019 · Company document
Rooftop Mortgages – Tariff of Mortgage Charges, effective 1 May 2019
The published charges, as printed, are itemised below. Amounts and descriptions are reproduced from the document and are not commentary.
Rooftop Mortgages Limited, Tariff of Mortgage Charges (May 2019)20 April 2019 · FOS decision
DRN9682716 – Service charges paid after a forfeiture notice, field agent visits and disputed arrears; complaint not upheld
Complaint not upheld. The sums paid had already been refunded to Rooftop by the management company and the account adjusted.
Financial Ombudsman Service, final decision DRN9682716 (Ombudsman: Claire Sharp)24 October 2018 · FOS decision
DRN6142717 – General comparator: breakdown of legal fees charged to a mortgage account (Barclays)
Complaint not upheld.
Financial Ombudsman Service, final decision DRN6142717 (Ombudsman: Claire Sharp)3 November 2017 · Company history
Control of the BCM holding company passes to Link Group
Companies House records Capita plc ceasing and Link Group Administration Limited being notified as person with significant control of BCM Asset Services (Holdings) Limited.
Companies House26 November 2016 · Borrower report
Public forum thread – borrowers asking what a transfer from JP Morgan to Rooftop means (2016)
A thread posted on 26 November 2016 by a borrower who had received a letter about their mortgage being transferred to Rooftop.
LegalBeagles, “Rooftop Mortgages taking over from JP Morgan - what does this mean?”29 July 2016 · Company history
BCM Asset Services (Holdings) Limited notified as controlling Rooftop
Companies House records BCM Asset Services (Holdings) Limited as a person with significant control of Rooftop Mortgages Limited, holding 75% or more of shares and voting rights and the right to appoint or remove directors.
Companies House6 April 2016 · Company history
Capita plc recorded as controlling the BCM holding company
Companies House records Capita plc notified as a person with significant control of BCM Asset Services (Holdings) Limited, with 75% or more control.
Companies House3 December 2013 · FOS decision
DRN8820419 – Arrears and legal fees; Ombudsman ordered £300 of charges reversed
Complaint upheld. Rooftop Mortgages Limited ordered to reverse £300 of charges, in addition to the £230 it had already removed.
Financial Ombudsman Service, final decision DRN8820419 (Ombudsman: Suzannah Stuart)1 September 2012 · Borrower report
Public forum thread – receivers reported as appointed to a buy-to-let flat after missed payments (2012)
A thread started in September 2012 by a contributor describing the appointment of receivers over a let flat.
MoneySavingExpert forums, “Receivers appointed to manage BTL flat”24 July 2012 · Borrower report
Public forum thread – borrower account of a repossession and sale price (2012)
A thread posted on 24 July 2012 in which a contributor describes the repossession and sale of their home and the costs applied to the account.
LegalBeagles, “Re Action against rooftop mortgages”15 June 2012 · Borrower report
Public forum thread – borrower reports charges that could not be broken down (2012)
A thread posted on 15 June 2012 concerning charges said to have been applied to a mortgage account from August 2009 onwards.
LegalBeagles, “Mortgage Fees”1 November 2008 · Borrower report
Public forum thread – borrower experience of Rooftop and remortgage options (2008)
An open discussion thread started in November 2008 in which contributors describe their experience of holding a Rooftop mortgage and of trying to move to another lender.
MoneySavingExpert forums, “Anyone had any dealings with Rooftop Mortgages?”1 January 2008 · Company history
Rooftop stops originating new mortgages
Trade press reports that Rooftop's origination business closed, its then chief executive citing conditions in the securitisation and whole loan trading markets. The book becomes a closed portfolio.
Mortgage Strategy, “Rooftop Mortgages to close”1 July 2003 · Company history
Rooftop begins lending
Trade press reports the launch of Rooftop Mortgages, created by servicer Crown Mortgage Management with a warehouse funding line from Bear Stearns.
Mortgage Strategy, “MDC launches Rooftop Mortgages”19 December 2002 · Company history
Rooftop Mortgages Limited incorporated
Rooftop Mortgages Limited is incorporated at Companies House under company number 04621865.
Companies House