Report Mortgage Mis-selling...here come the lawyers. in House prices and the economy Posted January 23, 2018 Just now, HowMuch! said: how are they out of pocket, they have had the exclusive use of the property for the period... the equivalent rent should therefore be taken into consideration? There are a whole bunch of IO mortgage payers making the argument though. Regulators think something should be done, because these people might lose the homes that they never really owned in the first place.