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No, mortgage lenders in this country are generally a disgrace to be honest. The whole system and industry needs shaking up. When it comes to interest only - because so many people took out interest only loans in the 80’s/90’s and didn’t have repayment strategies or had mis-sold endowments, the...

But numbers 1 and 2 haven’t actually been properly implemented as options. Lenders still make it very difficult for people to do those two things.