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kensington mortgage

just looking at my options if my mortgage application is declined by beacon.
how easy is it to swap over to intrest only payments and will the lender allow you to do it if you have arrears on the account?
its something ive never thought of before but think if i cant get a remortgage with someone else then it would be worth doing for a couple of years untill my loans are finished.
sealed pot challenge member #920
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