Mortgage help ?

bella901

Sorry, this might be a little complicated one.
My parents are elderly and although don't qualify for disability, they need caring for. After I finished uni I have cared for them ever since, for many years until now.
Although they kept me, I never received a wage from them. Instead they had promised me a small rental property they owned when the tenant moved on, as long as I could pay the mortgage and refurbish it as required.
Recently the tenant left, and so the property was signed over to me and I have spent a few hard months rennovating it as promised.
However it still has a mortgage on it with around 60k outstanding, and is currently interest-only at around £80 a month. The mortgage has been in place for about 15 years.
I don't want to be paying interest-only and after speaking with my bank they advised there are much better rate mortgages out there at the moment. However as I have no employment history being that I have been caring for my parents full time and didn't receive a wage, they said I may have trouble getting one.
I do have some savings and I've read about self-certification mortgages but even if I could find one I'm not sure it would be worth switching as there seem to be a lot of fees involved.
It seems that 60k is considered to be a relatively small mortgage from what I've read I suppose I am wondering if it's even worth looking around to try and switch the mortgage, or see if I can switch to a repayment with the one I already have?
I am also concerned that if I raise the issue with the mortgage company they might try and force me to sell the property to pay it all off in one go. The only information I could really find about this sort of thing was dependant on it being 'inherited' and the original mortgage owner being deceased which is not the case here.
Apologies for my lack of mortgage-knowledge, I knew nothing at all about them until recently but struggling to find quite the information I'm looking for and there's a lot of conflicting information online.

Nebulous2

Whose name is the mortgage in?
When does the mortgage expire?
Are you living or going to live in the property?

If the mortgage is ending soon then the lender may well expect their money back and negotiation can be difficult. If it has a while to go then you can overpay to get the amount down without remortgaging.

Buy-to-let mortgages are often interest only, residential ones rarely are now.