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markR52
Scope Member Posts: 12 Connected
Hi I'm Mark I have suffered from anxiety and depression, epilepsy, fibromyalgia,diabetes type 2 and a number of other illnesses for 8 years ,
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Hi @markR52 welcome to the forum thanks for telling us about yourself. Join in with the topics.
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Hello @markR52
Welcome to the community, I'm pleased to see you join us and thank you for introducing yourself.
You've clearly had a lot to handle in recent years, so I hope that you enjoy taking part in the community. This is a very supportive and welcoming place so I'm sure you will, and do ensure you ask if you have any questions about the community. We have a fair few categories that you can get involved with, feel free to have a browse through them all and see what you fancy.
Do you receive any support through your GP or other health professional to manage your conditions?Online Community CoordinatorConcerned about another member's safety or wellbeing? Flag your concerns with us.
Did you receive a helpful reply to your discussion? Fill out our feedback form and let us know about it. -
yes i have medication to help with my conditions
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my biggest fear is my mortgage i have just found out its interest only morgage so in 5 years i will still owe £35000
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Hi @markR52
Welcome to Scope's forum. It is great to see you have joined us. Thanks for sharing some information with us about yourself. It is always great to get to know you. I am really glad to hear you are receiving some support with managing your health too. Would you like to tell us how you are feeling today?Community Volunteer Adviser with professional knowledge of education, special educational needs and disabilities and EHCP's. Pronouns: She/her.
Please note: if I use the online community outside of its hours of administration, I am doing so in a personal capacity only. -
thank so much i'm always nervous when joining groups
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Thank you for the welcome
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Hi @markR52
I don't know a huge amount about mortgages, but I found some information on Money Supermarket about interest-only mortgages, which you might find helpful.What to do if you have an interest-only mortgage
If you have an interest-only mortgage it’s important to know you’ll be able to repay the capital at the end of the term. There are several options to ensure this happens:- Switch your mortgage to a repayment mortgage. This will mean your monthly payment will increase but your mortgage will be repaid in full at the end of the term.
- Pay into an investment plan which can be used to pay off the capital at the end of the term. A financial adviser will be able to suggest a suitable plan.
- Make lump sum overpayments or set up regular overpayments on your mortgage (if your lender allows this). Our mortgage overpayment calculator can help you work out how much you could save.
- Remortgage to a better mortgage rate, switch to a repayment mortgage and repay the loan over a longer term to make monthly payments more affordable.
Have you looked into any of the options mentioned, or sought any professional financial advice?
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@Tori_Scope thank you
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