INDEPENDENT MORTGAGE AUDIT & ADMINISTRATION

Was your mortgage charged as the agreement intended?

We audit mortgage agreements and statements to identify errors and discrepancies — cases where more interest was charged than the terms of the agreement allow.

Request an audit

Thousands

of mortgages reviewed

UK-wide

experience across a large number of UK lenders

Est. 2017

independent and specialist

MORTGAGE AUDITS

Auditing mortgage agreements and statements

Interest on a mortgage should follow the agreement precisely. In practice, rate changes are misapplied, fees are charged incorrectly, and balances drift from what the contract permits. We rebuild the account from the original terms and identify where the figures diverge.

What we examine

The original mortgage agreement and its terms

Annual and interim mortgage statements

Interest rate changes and how they were applied

Fees, charges and arrears handling

What we identify

Interest charged in excess of the agreement's terms

Rate changes applied late, early or incorrectly

Fees inconsistent with the agreement

Discrepancies between statements and the contract

STEP 1

Documents

You provide the agreement and statements. Where papers are missing, we advise on obtaining them from the lender.

STEP 2

Recalculation

We rebuild the account transaction by transaction, applying the rates and terms the agreement actually specifies.

STEP 3

Findings report

A clear written report setting out each discrepancy and the interest overcharged — suitable for borrowers, solicitors and claims firms.

ADMINISTRATION SERVICES

Outsourced administration for regulated firms

We provide dependable back-office administration for companies in the financial services and accountancy sectors — handled with the accuracy and discretion those sectors demand.

Case & client administration

Managing case files, client records and correspondence from instruction through to completion.

Document processing

Preparation, checking and management of documents, statements and returns to agreed standards.

Compliance record-keeping

Maintaining the registers, logs and audit trails regulated firms are required to keep.

Back-office support

Flexible overflow capacity for busy periods — without the overhead of additional permanent staff.

ABOUT SUMMA GROUP

Summa Group Limited was established in 2017. Since then we have reviewed thousands of mortgages across a large number of UK lenders, and provide administration services to firms in the financial services and accountancy sectors.

Our work is independent, methodical and confidential. We act only on the documents and the figures — and report exactly what we find.