Personally I'm happy to see the FHR return because I've been short changed by several thousand pounds per year ever since FPA arrived. I never did understand the argument that it is good for when you are sick or on a conversion course. I'd rather stick my couple of grand of extra earnings in the bank each year and have an emergency fund for if I am unfortunate enough to become sick. Mortgages; yes I suppose that will take a bit more discussion with the banks, but I always found BA's mortgage certificate perfectly satisfactory before. I did not see an increase in what I was allowed when FHR first disappeared, so why do we expect a reduction now?