Future Mortgages > Reviews

Advantages: I can now get through on the phone in 15 minutes instead of 45!
Disadvantages: Where do I begin!

...told it would be with Future Mortgages wasnt much worse - maybe in the region of £20.00 per month which wasnt breaking the bank. After what felt like decades with the Mortgage broker we signed the paperwork and left that day to a warm smile, a welcoming handshake and told "All you have to do now is find your house". Within a week we had found our new home, the offer had been accepted and the mortgage process began. From the word go it was stressful ... Read review

Advantages: None whatsoever
Disadvantages: Pig ignorant, bullies, absolutely brainless moronic staff, criminally high monthly increases in mortgage payments

...say, after several years with Future Mortgages they arejust about the worst company I have ever had the misfortune to deal with. Even with my qualifications in Nursing/Training/Stress Management/NLP/Coaching they reduce me to a quivering wreck on occasions. There are many many reasons to avoid them altogether. Firstly, they offer you a fixed rate which seems reasonable, especially of you have credit problems and are therefore limited on choice. Secondly, ... Read review

Advantages: Being signed off work due to the stress of the mortgage!??
Disadvantages: Oh far too many....

...a family problem and future mortgages have made our life hell! We went to the county court after trying to stop this by speaking to future morgages who where basically a joke-so unhelpful-do not bother! Then we came to an agreement via the court to pay an extra £25 pm to clear our arrears. Three days later we are told our morgage will be going up tp £654 pm from £590 not including arrears-our mortgage began at £420 16 months ago!!! We are now ... Read review

Advantages: None whatsoever
Disadvantages: Appalling service, arrogance, maladministration, failure to adhere to contract

Pity there isn't a 'zero star' rating. Seemingly illegal/inappropriate charges (2 default judgments would suggest so), inability to meet a Subject Access Request on time (another default judgment), the inability to express terms in "plain, intelligible language" (Section 7 of UTCCR 1999), and for example: 1) Poorly defined "3 month LIBOR" as rate to which premium added; 2) FM seemingly unwilling or unable to provide published source of the "3 month ... Read review

Advantages: NONE
Disadvantages: EVERYTHING - THEY ARE TERRIBLE!!

...simply refuse to deal with future mortgages. The debt management policy is very simple. pay or be taken to court! They specifically ask if you would like to pay your monthly mortgage repayment with a credit card, when I then asked to be put through to a SENIOR manager, he confirmed that this would be the best option.....WHO for? Certainly not the customer!! I am now in the process of changing my lender but will end up with a cost of around £3,000 ... Read review

Advantages: None
Disadvantages: No meaningful customer service, complete lack of ownership.

...- this was transferred to Future in around 2001. I have raised concerns on 3 occasions regarding whether the loan will actually perform as per the agreement, and finally, as part of an ongoing 7 month old complaint, Future agreed that unless I paid a further £7000 on the loan over the remaining term, it would not in fact redeem. I complained on the 21.6.07, I complained to the chief executive - Mr Ian Kerr on the 21st December, but I still have had ... Read review

Advantages: Got a better deal else where
Disadvantages: Sleepless nights and worry, clueless

...a lesser rate than Future. Future have no thought as to the stress and pain they are causing to families who turn to them for help. Perhaps if there staff were trained in customer satisfaction they would learn to be more courteous. We will never ever go near them again, and thanks to Halifax, we wont need to! ... Read review

FM is THE WORST company I have EVER dealt with. Their staff are thick, rude, lazy and generally some of the most unhelpful people you could wish to deal with. They made so many mistakes with my mortgage application, the approval process took ages and some of the things they asked for were just ridiculous and once they had approved me as a customer they kept on asking for information I had already provided them with several times. My house purchase almost fell through because of their incompetence. I would rather stick hot pokers in my eyes than deal with FM again.

Advantages: None
Disadvantages: Everything you can think of. These people are Evil

...requesting a redemption figure from Future and now they are charging me an extra £5 per month on top of my Mortgage until the balance of the mortgage is paid off. Future must also train their staff on how to have a disgusting attitude. The are the only company i have ever had shouting profanities down the phone to me. The only company where i have received a knock on my door by a very arrogant and bad tempered representative making threats to me ... Read review

Advantages: NONE AT ALL
Disadvantages: Made me want to cry every day I had to deal with them

...looking at our credit file Future Mortgage would indeed lend us 100% of the property value; as you can imagine we were delighted. We then went off to look for a house. A few weeks later we found a house we loved and then pressed forward with the application with Future, appointed a solicitor and started packing our belongings. With the application we wrote a cheque for £195 to cover the cost of the valuation fee, which we were told would only be cashed ... Read review

Advantages: None unless you are refused EVERYWHERE else
Disadvantages: Outrages charges, cheeky staff, no help if you are in difficulty.increase rates repeatedly

Due to illness, we fell into arrears with this company and the minute the arrears went over 3 months, they threatened to repossess. We had kept them informed for several months before and told them the house was on the market. They stated they would give us 8 weeks to sell, but didn't. Basically, they lied to us and our solicitor and went ahead with court action even though the house was sold and we had a moving date. They made £100 instructing a ... Read review

Advantages: Absolutely none
Disadvantages: To be avoided at all costs

Our first contact with Future Mortgages was a letter which started, "As you are aware, we are your new mortgage carrier and your account is in arrears". Imagine our surprise as we were woefully unaware that our mortgage had been sold nor had we been informed. It transpired that the mortgage had indeed been sold on to FM some five months prior to this contact yet neither FM or our previous mortgage carrier had felt it prudent to let us know. Having ... Read review