Hello,   After the initial main advice session, my HSBC bank mortgage advisor had lengthy discussions about repayment vehicles for an interest-only mortgage, which was what I always wanted but the advisor did not, despite being fully eligible for the product.   All this discussion about repayment vehicle, he did over his mobile, which was an unrecorded line. I was always fully eligible and had enough repayment vehicles to get interest-only or part-interest-only mortgages