If your repayments have remained at original level (other than reductions due to change in rates) then you are entitled to reduce your monthly repayments until the benefit of the increased repayments has been wiped out.
Why don't you pick up the phone and talk to them?
Do you have to state a reason for going interest only? Will the fact we've paid extra for 2 years count for anything?
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We just need a bit of breathing space plus given the house is now worth less than half of what we paid for it,.
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