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APPG on Mortgage Prisoners

The All-Party Parliamentary Group (APPG) on Mortgage Prisoners has published a call for evidence for its inquiry into mortgage prisoners.
The APPG is particularly interested in hearing from mortgage prisoners about their situation and what changes they would like to see introduced.

The APPG on Mortgage Prisoners has written to the FCA and CMA asking for them to introduce a cap on Standard Variable Rates.

A copy of the letter and the press release can be found through this link


.“To ensure that all mortgage prisoners are given a fair deal and fair treatment (including by any organisation to which their mortgage is or might be assigned) and explore the issues relating to the ability of customers to switch mortgages including affordability criteria and associated regulatory changes.”

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Seema Malhotra MP


Feltham & Heston

Lord John Sharkey

Liberal Democrat

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Duncan Baker MP, Vice-Chair

Alison Thewliss MP, Vice-Chair

  • Conor Burns MP 

  • Nia Griffith MP 

  • Meg Hillier MP

  • Sir Peter Bottomley MP 

  • Jeremy Lefroy MP

  • Greg Clark MP

  • Baroness Bryan 

  • Julie Cooper MP

  • Janey Daby MP

  • Stephen Timms MP

  • Rushanara Ali MP

  • Henry Smith MP

  • Patrick Grady MP 

  • Conor McGinn MP 

  • Virendra Sharma MP 

  • Yvonne Fovargue MP

  • Henry Smith MP

  • Emma Hardy MP

  • Peter Gibson MP 

  • Yvette Cooper MP

  • Peter Kyle MP

  • Grahame Morris MP

  • Mary Glindon MP

  • Julian Lewis MP

  • Mike Kane MP

  • Sir George Howarth MP

  • Kate Osborne MP

  • Andrew Selous MP

  • Anne McLaughlin MP

  • Dan Carden MP

  • Ben Lake MP

What is a Mortgage Prisoner?

A mortgage prisoner is someone unable to switch mortgage lender.


They are vulnerable and could be stuck with a lender which will exploit them by keeping them paying a high interest rate, not give them any new deals or fixed rates and not show them any flexibility.

There are up to 200,000 people who are currently mortgage prisoners.

Contact Point: Dominic Lindley, c/o Office of Seema Malhotra MP, House of Commons, London SW1A 0AA. Email:

This is not an official website of the House of Commons or the House of Lords. It has not been approved by either House or its committees. All-Party Parliamentary Groups are informal groups of Members of both Houses with a common interest in particular issues. The views expressed in these webpages are those of the group.

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