By Steve Conley | Academy of Life Planning / Get SAFE
When you took out your mortgage, did your adviser explain who really owns it?
Did they tell you about the Special Purpose Vehicle (SPV) — the offshore company your mortgage was almost certainly sold to, beyond the reach of UK regulation, consumer protection, or the Financial Ombudsman Service?
If not, you were never told the full truth. And that raises a profound question:
Was your mortgage mis-sold?
🔍 The Hidden Transfer of Ownership
Behind almost every major mortgage lender lies a securitisation machine — a system where your mortgage is packaged with thousands of others and sold to investors via offshore trusts.
Once sold, your lender no longer owns your mortgage. They simply act as a servicer, collecting payments on behalf of the SPV. You, the borrower, are never told this. Your mortgage contract doesn’t change on paper, but the economic reality does.
The real owner — the SPV — is:
- Unregulated by the Financial Conduct Authority
- Unaccountable to UK courts or the Financial Ombudsman
- Undisclosed to you, the consumer
⚖️ Life Changes. Mortgages Don’t.
Life inevitably throws curveballs — bereavement, redundancy, divorce, illness, caring responsibilities. These moments call for flexibility and compassion.
But when your lender no longer owns your loan, flexibility vanishes. The servicer has no authority to vary terms. They can’t grant payment holidays, interest freezes, or compassionate restructuring — because the SPV’s investment contract forbids it.
Instead, the borrower faces:
- Refusal of forbearance requests
- Unexplained rejections of flexibility
- Arrears and penalty charges
- Repossession and bankruptcy
All while the true owner — the SPV — stays invisible, shielded by legal and regulatory secrecy.
⚠️ Foreseeable Harm
This is not an unforeseen risk. It is a foreseeable one.
Mortgage advisers are required by the FCA’s Principles for Businesses and Consumer Duty to act in the client’s best interests — ensuring that customers understand material risks and foreseeable harms before committing to a product.
If advisers failed to disclose that your mortgage would likely be sold to an offshore SPV — with all the inflexibility and injustice that entails — they failed that duty.
That’s mis-selling.
đź’” The Human Cost
Borrowers across the UK have lost homes, equity, and life savings due to this invisible chain of ownership. Judges routinely preside over repossessions without ever seeing the true lender’s name on the title. Families are evicted based on incomplete or misleading information.
This is not just a financial scandal — it’s a structural injustice.
đź’ˇ The Right to Redress
If you were sold a mortgage without being told that:
- It could be securitised to an offshore SPV,
- That the SPV would be unregulated and unaccountable,
- And that this could remove your access to flexibility or fair treatment in hardship—
Then you may have a valid claim for mis-selling and foreseeable harm.
Consumers deserve redress not only for the financial loss, but for the emotional devastation caused by a system designed to prioritise investor returns over human lives.
✊ What Comes Next
At Get SAFE, we are helping victims of financial exploitation understand their rights and prepare formal complaints and evidence bundles.
At the Academy of Life Planning, we are training a new generation of Holistic Wealth Planners — advisers who place people before products, transparency before profit, and compassion before compliance.
If you’ve experienced mortgage inflexibility, hidden ownership, or repossession injustice, you are not alone.
Reach out. Get informed. Get SAFE.
About Get SAFE
Get SAFE (Support After Financial Exploitation) is a citizen-led initiative that empowers victims of financial harm to investigate, document, and pursue redress.
Through AI-enabled training, structured playbooks, and collaborative fellowship, Get SAFE transforms victims into advocates — ensuring that truth and justice are not luxuries, but rights.
In One Sentence
Goliathon turns victims of financial exploitation into confident, capable citizen investigators who can build professional-grade cases using structured training, emotional support, and independent AI.
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Every year, thousands across the UK lose their savings, pensions, and peace of mind to corporate financial exploitation — and are left to face the aftermath alone.
Get SAFE (Support After Financial Exploitation) exists to change that.
We’re creating a national lifeline for victims — offering free emotional recovery, life-planning, and justice support through our Fellowship, Witnessing Service, and Citizen Investigator training.
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Join us at: http://www.aolp.info/getsafe
steve.conley@aolp.co.uk | +44 (0)7850 102070
Academy of Life Planning 