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Hiya Sounds like for the moment youd be best off to settle with what you have. I detect a fair bit of stress, and given the imminent settlement, you might be right. Leave it be and sort it out later if at all possible. A product swap into RRHL should be possible after settlement, by...

Simply change to the Rocket Repay product which has the offset Sounds to me like the person that sold the product did ZERO digging to see what your actual needs might be. The person must have made lots of assumptions which is stupid at best, malpractice at worst.............but...

Hiya Lost of questions In general, an IO loan is not bad for most people. I suspect that lona can have an offset acct linked to it. So if thats the case, pay your sapre money into that account, its like paying the home loan off, because its linked to the loan. The 900 early exit...