I understand that the application will more than likely fail and am gearing myself up to pay the additional 12 months, but it's just the process to get to that point that is worrying me.
Any help/advice/past experience would be very much appreciated.
I didn’t want to approach my own mortgage provider for the sane reason as you.
The first step though is to see if you will even trigger the clause. If you have less than £5k equity the clause doesn't trigger and you don't get an extension either.
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