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After an appraisal, the bank deemed that my home had indeed appreciated to 80% or more of the loan value.

Since the financial crisis in 2008 there have been very few 100% loan value mortgages available.

"The world is very different now," he says, and adds that his opinion has changed over the past 15 years, as long as the 100% loan value mortgages are "underwritten sensibly".

When Abdullah filed a complaint with Jordan’s office, the bank eventually agreed to increase the loan value to $160,000, and Abdullah sold.

The bank had already provisioned for over 80% of the total loan value which will now be transferred to J.C.