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Old 19.01.2021, 18:24
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Re: Any drawbacks using insurance company non bank for mortgage?

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Yes, that crossed my mind. Of course any bank can and will try to screw you as a tranche renews.

I assumed that if the provider decided to exit the market they cannot just close the mortgage entirely before the fixed term is up ( without paying some sort of compensation).
They cant do anything, although to change bank you will need to go through affordability checks, could be an issue if you were unemployed at the time.
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