I have had short-term fixed re-mortgages for a number of years coupled with a personal pension scheme and endowment policy, to be able to pay the mortgage off at the end of its term (in 2013). However, I intend to pay off the remaining mortgage at the end of the year, (at the time of having to take
because there has to be a reason why large companies are buying them up!...A friendly financial advisor has told me that you should NEVER surrender it?...for example...a 25yr endowment policy takes appx.8yrs to pay off service charges?...then gives little or no gain...for the next 15yrs?...THEN in