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  • your mortgage end date is after your retirement date
  • you weren’t told about the commission the adviser would receive from the lender
  • you were advised to self-certify (borrow money without proving your income) or overstate your income in order to borrow more
  • you were advised to switch lenders and weren’t told about the fees and penalties
  • you were given a fixed-rate mortgage and told to remortgage to a better deal later on, then incurred penalties for leaving the fixed rate early

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