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when calculating my total debt do i include my mortgage and endowment?

You should total your debt into two types secured and unsecured. Secured being your mortgage / secure loans on your property, unsecure is the credit cards and loans not secured on property.

Hope this helps.

Your endowment is not a debt, rather it is an asset which would need to be declared to creditors and possibly realised to enhance the offer made.

And whether the endowment is secured to your mortgage lender or not needs to be clarified.