Found out(posted 7861 days ago)the rider is entitled to 2% per year, but only for those losses relating to their "pain and suffering" and inability to carry out day to day tasks or hobbies. ONLY in special circumstances is a court able to award more than 2%.
2% is much better than any current mortgage rates!
Furthermore arranging finance with this charge in place is not going to be mainstream highstreet lending business and in general will need a sub prime lender, undoubtedly making mortgage rates even less attractive.
Tell your friends to seek legal advice.
Paul