So.… I received a hefty SAR through on Saturday from Together.   Bit of background-we purchased 25% share of a property in 2008 with an interest only mortgage provided by Cheshire mortgages (interest rate 9.75% for 1 year then rising to 11.75% variable rate!)   The plan was to remortgage after a couple of years onto a repayment mortgage with far FAR lower interest rate, but-the crash happened and the refinancing just never happened for us. We were stuck in a house that just w