The UK has around 195,000 'mortgage prisoners' - people who took out high-interest mortgages before the 2008 crisis or shortly afterwards, with lenders which no longer offer mortgages or have folded, leaving them stuck. Victoria_Spratt reports:
“I remember the broker because she was really nice,” Ms. Burns said. “I do feel like she pushed me quite hard towards SPML. I can see how people got sucked in.”
Sixty-five-year-old Angela Peterkin from West Norwood, south London finds herself in a similar situation to Ms. Burns. SPML’s loan book is now managed by an active lender called Kensington Mortgages, of which a company called Acenden is the servicing arm. Kensington is an active lender which means they could, in theory, offer SPML customers a new loan.Kensington Mortgages has just been. As active lenders, both Kensington and Barclays could also offer SPML customers a new deal and, according to the FCA’s mortgage prisoner guidelines, should attempt to do so if possible.
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