i woudl have to look up my rate but 2 years ago i took out a 5 year fixed as i really couldnt see myself ever being able to afford anything bigger than what i have now.... im going to get heavily penalised if i dont use the same lender when i come to move next year.
If you took out endowment(s) for your mortgage, typically in the late 80s / early 90s then it has probably performed far worse than the lowest predictions and there is a good chance that you were not properly advised of the risks involved, and thus you could well have been a victim of mis-selling and you should make a complaint - you have nothing to lose.
I did for three policies and got thousands of pounds compensation to help with the shortfall on the mortgage - I used the Which? site, they even have a letter generator to make it easy-peasy.
One of them arriving in August hopefully big man. Got the spare room kitted out with a bed, TV, wardrobe, chest of drawers now all thats needed is a paying guest to be in it.
A mate of mine should be having it, if not I'll tear his nuts off as he's been on my case about it.
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Get a lodger, make them pay it all.
I did for three policies and got thousands of pounds compensation to help with the shortfall on the mortgage - I used the Which? site, they even have a letter generator to make it easy-peasy.
http://www.which.co.uk/reports_and_campaigns/money/campaigns/endowment_mortgages/make_a_complaint/Make_a_complaint_overview_559_54712.jsp
A mate of mine should be having it, if not I'll tear his nuts off as he's been on my case about it.