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I'm looking ahead for once.


I have a mortgage on my home which is due for payment in 12 months time.


It was an endowment type mortgage, so the loan was interest only. The endowment policy matured recently and there was a shortfall leaving about £15k to repay next year.


I have another mortgage with them for about £30 on the same property whcih is a repayment type due to complete in 2020.


My initial lthinking was that HSBC would just extend the mortgage, but is this likely with a trashed credit history?


What are their likely actions?


What options do I have?





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