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In theory they could, as you havent advised them of a material change to your cirecumstances, as stipulated in the loan offer, in practice they dont, just leave you sitting in the old loan till your circumstances change, you refinance, or you go into arrears.

every year you pay upfront the following years interest no where you would like to 'pull forward' a tax deduction into the current year what would normally be on the following year. For instance where your income or tax rates change, asset sales triggering CGT etc etc

woohoo, and 3yrs fixed 4.99 with their package