Mortgage Commission Claims
At DMJ Legal, we specialize in assisting clients who have been misled by financial brokers receiving undisclosed commissions. If you’ve taken out a loan or finance agreement through a broker who received a commission from the lender without your knowledge, you may be entitled to compensation.
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Undisclosed Commissions: What You Need to Know
In recent years, many borrowers across the UK have unknowingly fallen victim to financial practices involving undisclosed commissions—a form of hidden payment from lenders to brokers that wasn’t properly explained or revealed. This lack of transparency can have serious consequences for individuals entering into long-term financial agreements like mortgages or loans.
💡 What Is an Undisclosed Commission?
An undisclosed commission occurs when a broker—who is supposed to act in your best interest—receives a payment or commission from a lender for securing your business, without telling you. In many cases, this payment could have influenced the broker’s recommendation, potentially steering you toward a financial product that benefited them more than it benefited you.
This practice may:
Undermine the impartiality of the broker’s advice
Result in higher interest rates or less favorable loan terms
Leave you unaware of conflicts of interest in the advice you received
According to UK financial regulations and several landmark legal rulings, brokers and lenders have a duty to disclose such commissions to customers. If this didn’t happen in your case, you may be eligible to claim back substantial compensation.
CAN I MAKE AN UNDISCLOSED COMMISSION CLAIM?
Why It Matters Legally
Courts have increasingly ruled in favor of consumers where the commission paid to the broker was kept secret. These rulings are based on the principle that you should have received clear, upfront information about any commission arrangements that could have impacted the objectivity of your broker’s advice.
In short, if a broker did not disclose their financial relationship with the lender, they may have breached their fiduciary duties—making the loan agreement unfair or even invalid.
🧾 Common Scenarios That Involve Undisclosed Commissions
You may have been affected if:
You used a mortgage broker, loan adviser, or car finance broker
You weren’t told that the broker would receive a commission from the lender
You received no documentation or only vague terms referencing “fees” without breakdown
The broker claimed to offer impartial advice but never disclosed ties to specific lenders
These situations are more common than you might think—and may entitle you to recover losses, especially if you paid above-average interest rates or received poor financial outcomes.
💷 What Compensation Can I Claim?
Depending on your case, you may be able to claim:
A refund of the hidden commission
Compensation for interest overpayments resulting from being misled
In some cases, the full repayment of the loan may be challenged in court
DMJ Legal works with experienced solicitors who will review your financial agreement, uncover the presence of hidden commissions, and guide you through the compensation process.
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Our expertise
Explore how our specialist legal team can help you reclaim what’s rightfully yours. We’re experts in identifying hidden commissions, financial misrepresentation, and recovering compensation through tailored, client-focused legal solutions.
Undisclosed Commissions
We investigate cases where brokers or advisors received hidden payments from lenders—without informing the borrower. If your loan involved an undisclosed commission, you may be eligible for compensation.
Mis-Sold Finance Agreements
Whether it’s a mortgage, car finance, or secured loan, we handle claims where consumers were misled about interest rates, repayment terms, or broker independence.
Breach of Duty by Brokers
Your broker had a duty to act in your best interest. If they failed to disclose a financial incentive or pushed a loan that suited them more than you, we’ll hold them accountable.
Legal Strategy & Case Building
We combine forensic document analysis with regulatory knowledge to build a strong, evidence-backed case that increases your chances of a successful outcome.
Claims Under FCA & Case Law
Our legal team applies the latest rulings—like the Plevin case—to pursue your claim under Financial Conduct Authority (FCA) guidelines and legal precedent.
No Win, No Fee Representation
We remove financial risk with our no win, no fee promise. If we don’t win your case, you don’t pay. It’s that simple—justice made accessible.