Stress and anxiety
This guy was overcharged €45k on a buy to let.
He got it refunded. He got the time value of money on it.
At the time he had 52k in savings and a UK property worth €125k with no mortgage.
In my view, €4,577 compensation for this is huge. I would not have offered him the €5,000 which the Appeals Panel offered him, much less the additional €12,000 which the Ombudsman awarded him.
Overpayment of €52k
It's very clear that he would not have made this overpayment had he been on a cheap tracker rate.
I would have directed the lender to reverse this overpayment. In other words, give him €52k cash and add this to the mortgage balance.
Sale of UK property and overpayment of €100k
I agree with the Ombudsman that his worries about Brexit were his prime reason for selling the UK property and so I would not have compensated him for the loss of capital value.
However, I would direct the lender to offer him an additional mortgage of €100k at tracker rates today.