UK Mortgage Glossary
Financial Ombudsman Service (FOS)
Independent body that resolves complaints against UK financial firms.
Full definition
An independent UK body that handles complaints against financial services firms, including mortgage brokers, when the firm and customer cannot reach agreement. Free to use. Decisions are binding on the firm. See financial-ombudsman.org.uk.
How this affects you
Whether financial ombudsman service (fos) is relevant to your mortgage depends on your circumstances — lender, product, deposit, employment, credit profile, and stage of application. An FCA-authorised mortgage broker will tell you exactly where it applies to your case.
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