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Hi Chris Thanks for your reply. Can I just clarify something? You say you got a two-year interest-only period. Did that mean you had to start a whole new mortgage or was it part of the exisiting mortgage? The reason I ask is that it does make a considerable difference to the fees. It sounds...

Hi All I'm probably not in an unusual position. I bought my house in Ibiza about four years ago when I was earning more than I did last year, although prospects for 2010 look rather better. But basically my mortgage is gradually eating up my savings. The house is on the market and...