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Rooftop Mortgages

Rooftop Mortgages Limited (Rooftop) was established in 2003 as a UK authorised and regulated Lender. In 2007, Rooftop took a decision to cease its lending activities and since then has continued to administer the mortgages under its management.

Rooftop Mortgages is authorised and regulated by the Financial Conduct Authority..

Contact us

It’s easy to get in touch with us, telephone our call centre to discuss any matter and speak to one of our staff.

Please call us on 0333 014 4474

Alternatively, please write to us at PO Box 522, Ipswich, IP1 3YE

Who is Rooftop Mortgages Limited?

Rooftop Mortgages Limited (“Rooftop”) is a UK regulated mortgage lender which administers a range of mortgage portfolio accounts. However, Rooftop does not offer lending for new mortgages.

Does Rooftop Mortgages have a Standard Variable Rate (SVR)?

No, we don’t have a single Standard Variable Rate (SVR). If you wish to discuss the interest rate currently being charged to you, please call 0333 014 4474.

Who can I contact if I am experiencing difficulties paying my mortgage?

We are committed to consider our Customers circumstances individually and treat them fairly. If you are currently experiencing problems or believe you may have problems making your monthly payments, please call us on 0333 014 4474. We will discuss your situation and consider all available alternatives to your new circumstances. We do want to help where we can and would encourage you to make contact with us as soon as possible.

Where can I obtain free independent advice?

Sources of free independent advice are available to you and the following organisations can help to assess your situation and may be able to suggest solutions for you: National Debt Line – StepChange Debt Charity – National Homelessness Advice Service- Citizens Advice-

Interest Only Mortgages – if you have an interest only mortgage, useful information can be obtained from the Money Advice Service (MAS). The MAS website provides information in the following areas:- 

  • How to review your interest only mortgage.
  • Taking action on your interest only mortgage now.
  • Making a plan to repay your interest only mortgage.
  • Choosing an independent financial adviser. 

In respect of Equity Release, please note that not all financial advisers are able to give advice on Lifetime mortgages. In addition to the MAS information, you may find the Equity Release Council’s website useful

How do I inform you of any changes to my personal details?

Please send your new details to General Enquiries, Rooftop Mortgages, PO Box 522, Ipswich, IP1 3YE.

How much does a phone call to you cost?

We are committed to provide cheaper numbers for you to call us on and you will benefit from local call rates on our 033 numbers.

How we treat our Customers

Treating Customers Fairly Statement

View PDF

Our Complaints Procedure

If you want to make a complaint

View PDF

Useful links

Important Information

Terms and Conditions

Please read the following terms and conditions before using this website (“the Site”). “We, “Our” and “Us” refers to Rooftop
Mortgages Limited. We may make changes to these conditions without any prior notice.

Governing Law

English Law governs these terms and conditions and you agree that the Courts will have exclusive jurisdiction to determine any dispute or matter arising from the Site and terms and conditions. This Site is intended for use by individuals within the UK. Access to this site from any other locations will be your responsibility to comply with local jurisdictions and laws.

Privacy Policy

A copy of our Privacy Policy can be accessed here.

Warranty and Liability

Although we have taken reasonable care to ensure that the information provided in this Site is accurate, we give no warranties of any kind, expressed or implied about its entirety or accuracy. The Site or any part of it may be suspended, taken down or updated at any time without prior notice. Rooftop Mortgages Limited will not be liable for any damages, direct or indirect loss in connection with your use of the Site. This includes any loss of profit, income or business opportunity, together with any detriment arising from system failure or computer viruses.


All of the content in this Site is subject to copyright. The information detailed on the Site is for your personal use only and all rights are reserved. You are not permitted to modify, transmit or download any part of this Site without our prior consent.