To help you understand better whether your mortgage was mis-sold or not, we have compiled a list of the most common tell-tale signs you will encounter in the first few months of a mortgage sale. These indications cover all situations where mis-selling is more likely and the potential consequences of such a situation.

If you have a poor credit rating or if your income is not sufficient to cover the repayment of the mortgage, if you take into account the normal monthly expenses, you may have been a Mis sold mortgage that is not suitable for your requirements. If your adviser doesn't assess what increases you should expect and whether you can afford them, your mortgage could also be mis-sold. They should also give an example of the cost of a capital repayment mortgage and explain the stages in which the mortgage has been converted into a "repayment mortgage."

If this has happened to you, it could be because the mortgage lender or broker has not explained the effect of this mortgage. If the lender / broker has not investigated the circumstances thoroughly or has been negligent with your ability to afford it, you may have sold a mortgage in a mis-sale. A mortgage can be confusing enough without delving too deeply into the details of what lenders and brokers are legally obliged to do. However, if the lenders or brokers have not given you detailed advice, not only have they not received proof of a repayment plan, but they have also accepted a risky or speculative plan as sufficient, and may have sold you a mortgage.

A good start is to review all the documents, emails and letters you received from your mortgage lender or broker at the time of mortgage purchase, as well as any correspondence between you and them.