Questions for borrowers about MPowered residential mortgage transfer to Rooftop Mortgages
Why is my mortgage being transferred?
MPowered’s residential mortgage portfolio is being transferred to Rooftop Mortgages (Rooftop Mortgages Limited) as part of a planned transition. This is a standard commercial transaction and does not affect your mortgage terms or the way your mortgage is serviced.
Will my interest rate or mortgage terms change?
No. Your interest rate, product type and mortgage terms remain unchanged.
Will my mortgage payments be affected?
No. Your monthly mortgage payments will continue as normal, unless they change in line with your existing mortgage terms (for example at the end of a fixed rate period).
Do I need to do anything?
No. The transfer is administrative only and does not require any action from you. You should continue to make your mortgage payments in the usual way.
Who will service my mortgage after the transfer?
BCM Global will continue to service your mortgage, using the same servicing team that currently supports MPowered customers today.
Who do I contact after the transfer if I have questions?
You can contact Rooftop Mortgages on 0333 014 4474 or by email.
Who do I contact if I have questions?
You can contact Rooftop Mortgages on 0333 014 4474 or by email. Please quote your mortgage account number when contacting them.
Will my mortgage account number change?
No. Your mortgage account number will remain the same and should continue to be quoted when contacting Rooftop Mortgages.
What happens to my direct debit?
Your Direct Debit will continue automatically and you do not need to set up a new payment.
Will I receive confirmation of the transfer?
Yes. MPowered Mortgages will send a notification letter before the transfer, and Rooftop Mortgages will send a welcome communication letter after the transfer confirming your account details and contact information. .
What happens to my personal data?
Your personal and financial information will transfer to Rooftop Mortgages in accordance with data protection law, including UK General Data Protection Regulation (UK GDPR). Both MPowered and Rooftop Mortgages comply with all legal obligations on data protection.
Can I redeem, port or make overpayments to my mortgage?
Yes. Your rights to redeem, port your mortgage or make overpayments remain unchanged and continue to be governed by your existing mortgage terms and conditions.
Does this affect MPowered Buy-to-Let mortgages?
No. This transfer relates only to MPowered’s residential mortgage portfolio. MPowered’s Buy-to-Let mortgages are not affected.
How do I make a complaint about my mortgage?
From 8 June 2026, complaints about your mortgage should be directed to Rooftop Mortgages. They can be contacted by telephone on 0333 014 4474 or email. If your complaint relates to the service provided by MPowered before 8 June 2026, please contact us via email.