Thanks all for your replies and advises ... Just to clarify my query here .. I am not intending to stop paying my mortgage by any means , am committed to it and luckily I can afford it so far ... and I am certainly going to hand it back to my lender as , from what I understood , this is the right and safest place to be .. if I wasn't wrong that this is the original copy .
During the course of last 3 years , I asked my lender to extend the life of my mortgage and reduce monthly payment , also I once asked to top up my mortgage with 50K to buy a holiday property (only 40% of total price), both requested were not welcomed and I was told that I will be off tracker and move to variable if I extend the life of mortgage.
Here comes my question , Would I be in better position if I re-negotiate such requests with the lender before handing over the title documents ?
Thanks again for your valuable feedback
HK