About two years ago I substantially increased my mortgage payments on my AIB tracker mortgage by more than double the agreed rate in order to clear the mortgage early given the rate rises and as I only had a few years left (I now have just over a year left) . I applied recently to reduce the payment somewhat as I need some money to pay for the UK pension option - though I will still be paying significantly more (about €750 more) than the original agreed rate. I have been advised that they need to do a credit check before approving this change including me submitting bank details/salary slips etc (and a valuation check on the house) on the basis that I am proposing to change the term of my loan. Their view appears to be that the accelerated payment of the last two years is now the de facto loan and I am now extending that term so I need to go through hoops to get approval. My view is that I am still paying extra on top of the original loan and I should not have to go through this hassle. Do I just suck it up?