I don't have all the figures here but I bought in 2008 and yes I bought out DCC's 50% share. "Market value" as in with the DCC discount in 2008 was 235k. When I bought the other 50% a few months ago, I still had to buy it with 117k. DCC argues that although the value has declined, it's still 50% of original loan and if the value would have risen, the clawback would have been x amount to match/ bring me back to the same 117k. So either way regardless of market value 117k it is. So my loan is no approx. 220k. Would have to look at home for exact figures. The house value was determined by DCC by the way. They sent one out to look at the house. You can't get your own independent valuer.
I guess I was lucky that there was no clawback for me and compared to others my mortgage is still modest (if you can call it this)...