Well Mr XX and mick12

Just shows how wrong you both are.

There is also absolutely no FRAUD, mortgage or otherwise by any of the Borrower(s) or the Lender(s) and it is extremely offensive that you should suggest such, just because you yourself(ves) have not been able to access or benefit from such an arrangement under present circumstances.

So far as I know in all the cases to which I referred each of the Borrower(s) has/have had a long-standing previous mortgage(s) with their Lender(s) for their current or other properties, for many years and presumably have built up a good and proven reputation for regular payments or whatever their respective arrangements are.

The trouble these days is that people are so busy being mortgage or card rate tarts they fail to build up that long-running relationship. So I suppose one thing balances out the other.

Cheap today and you get what you pay for, whilst the long-standing loyal customers have continued and have then eventually been repaid with loyalty from some Lenders.