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Official FCA dataFCA release 2025 H2, published 2026-05-15

UK Mortgage Lending Ltd

Firm reporting period: 2025-07-01 to 2025-12-31

Official complaint trends and same-category comparisons for this FCA legal reporting entity.

Conclusion

The complaint rate is below peers and complaint resolution is faster; their historical trends are mixed.

Home finance. Figures are limited to this FCA product group and compared only with other reporters in the same group. History: 2024 H2 to 2025 H2 FCA releases. Release labels may differ from a firm’s reporting dates.

Current key indicators, peer comparisons and history
IndicatorCurrent valueCompared with peersCompared with 2024 H2
Complaint ratePer 1,000 accounts or policies12.16FavourablePeer average 14.02 · 41 firmsImproved10% lower
Closed within 3 daysShare of complaints closed34.21%FavourablePeer average 27.03% · 46 firmsWorsenedDown 2.66 percentage points
Closed within 8 weeksShare of complaints closed98.60%FavourablePeer average 93.75% · 46 firmsWorsenedDown 0.36 percentage points

Charts

Choose charts · 4 selected
3 available points

Complaints opened

Up 30 since 2024 H2
CompanyOther same-category firms’ average
1,40997854824 H225 H125 H2
2025 H2682
Other firms’ average1,045
FCA reported
View all figures
Complaints opened historical values
PeriodCompanyOther firms’ averageSource type
2024 H26521,305 (55 firms)FCA reported
2025 H17051,160 (58 firms)FCA reported
2025 H26821,045 (63 firms)FCA reported
3 available points

Closed within 3 days

Down 2.66 percentage points since 2024 H2
CompanyOther same-category firms’ average
40.29%32.75%25.20%24 H225 H125 H2
2025 H234.21%
Other firms’ average27.03%
FCA reported
View all figures
Closed within 3 days historical values
PeriodCompanyOther firms’ averageSource type
2024 H236.87%29.24% (44 firms)FCA reported
2025 H138.46%29.53% (43 firms)FCA reported
2025 H234.21%27.03% (46 firms)FCA reported
3 available points

Complaints upheld by firm

Down 6.43 percentage points since 2024 H2
CompanyOther same-category firms’ average
59.55%53.42%47.29%24 H225 H125 H2
2025 H251.63%
Other firms’ average51.35%
FCA reported
View all figures
Complaints upheld by firm historical values
PeriodCompanyOther firms’ averageSource type
2024 H258.06%50.64% (46 firms)FCA reported
2025 H151.04%48.77% (44 firms)FCA reported
2025 H251.63%51.35% (48 firms)FCA reported
3 available points

Complaints per 1,000 accounts or policies

Down 1.28 per 1,000 since 2024 H2
CompanyOther same-category firms’ average
14.4812.5510.6324 H225 H125 H2
2025 H212.16
Other firms’ average14.02
FCA reported
View all figures
Complaints per 1,000 accounts or policies historical values
PeriodCompanyOther firms’ averageSource type
2024 H213.4411.09 (48 firms)FCA reported
2025 H113.2113.37 (39 firms)FCA reported
2025 H212.1614.02 (41 firms)FCA reported

Official observations and clearly labelled calculations from published FCA product figures are shown. Other gaps remain gaps. Raw complaint counts and upheld rates are context only. View FCA release details.

All indicators and reporting details

Peer averages are unweighted and exclude this company. Same-category firms may differ in business mix. Raw counts and upheld rates are context only, not quality ratings.

Contextual complaint rate

12.16

Complaints per 1,000 accounts or policies. Lower can be favourable only when compared with a genuinely similar business.

FCA reported

Complaints opened

682

A raw count. Larger businesses commonly receive more complaints, so this is not a ranking measure.

FCA reported

Complaints closed

643

A raw count of complaints closed during the period. It may include complaints opened earlier.

FCA reported

Closed within 3 days

34.21%

The share closed within three days. Higher is generally favourable, subject to reporting scope.

FCA reported

Closed within 8 weeks

98.60%

Behind Your Money calculation adding the FCA's two published closure bands.

Behind Your Money calculation

Closed after 3 days but within 8 weeks

64.39%

The share closed after three days but within eight weeks.

FCA reported

Complaints upheld by firm

51.63%

Context only. A lower upheld rate is not automatically evidence of better complaint handling.

FCA reported

Source

Financial Conduct Authority

FCA firm-level complaints data 2025 H2. The FCA source remains authoritative.

As of
2026-05-15
FCA release
2025 H2
Firm reporting period
2025-07-01 to 2025-12-31
Licence
Open Government Licence v3.0
Open the FCA publication
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