Paying off the mortgage beyond the term

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I have an interest only mortgage that is due to expire in June 2020.
In 2015 I decided to take the bull by the horns and to start paying it off. The mortgage balance in 2015 was £101,000 and since then with regular 4 weekly payments of £500 and some substantial blocks of savings/investments I now have it down to £37,000.
Now that my savings etc have been depleted I will still continue to pay it down at the rate of £6500 a year which should leave the outstanding balance in June 2020 of £24,000.
The property is worth a minimum 0f £285,000 at todays value.
I do not want to do an equity release (I'm 69) as that means paying an interest rate some 3 times greater than the curremt deal.
Does anybody have any thoughts on what Barclays would do if the debt isn't settled on time?
At best I could continue to pay it off beyond 2020 but that would take just under another 4 years - 2024. If I did that would it keep the bank off my back?
Sorry I should have added that I absolutely hate speaking to the bank - they have a way of making me feel like 'Oliver'!!
In 2015 I decided to take the bull by the horns and to start paying it off. The mortgage balance in 2015 was £101,000 and since then with regular 4 weekly payments of £500 and some substantial blocks of savings/investments I now have it down to £37,000.
Now that my savings etc have been depleted I will still continue to pay it down at the rate of £6500 a year which should leave the outstanding balance in June 2020 of £24,000.
The property is worth a minimum 0f £285,000 at todays value.
I do not want to do an equity release (I'm 69) as that means paying an interest rate some 3 times greater than the curremt deal.
Does anybody have any thoughts on what Barclays would do if the debt isn't settled on time?
At best I could continue to pay it off beyond 2020 but that would take just under another 4 years - 2024. If I did that would it keep the bank off my back?
Sorry I should have added that I absolutely hate speaking to the bank - they have a way of making me feel like 'Oliver'!!
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I would have thought that your plan to repay the remainder over 4 years should be a reasonable enough one to Bclays - but would expect that they will make it on a formal repayment basis at that point and that the interest rate may be higher (although not at Equity release rates) I really can't see that it is worth their while pursuing any action hen you will have demonstrated a record of ability to repay at that rate and that the LTV will be small, the balance will be small and the remaining term required will also be small.