Paying off the mortgage beyond the term

We have an IO mortgage that we're unlikely to fully repay by the end of the term - I'm planning on (although have not spoken to the lender about7 it at all) remortgaging the remainder over a max of 5 years at that time - I suspect it will be on a repayment basis then and at a higher interest rate, so I am doing my best to reduce it as much as poss (whilst still living a life!) in the meantime. My plan if they refuse (I can't see why, but who knows?!) would be to take out a personal loan to repay the balance over a similar time frame.

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.