Wiping of brow!

Having talked to the mortgage people, it looks like I won't be liable for the entire value of the flat come the end of my mortgage in two years.

Turned into a mini-lesson on mortgages. As my mortgage is for 30 years, it's broken down into smaller chunks (in this case 2 years, fixed rate). After the two years, I negotiate the terms of the next bit, it's not a new mortgage, thus no need to have to pay back the whole amount.

Hoo wee!

Also, the solicitor is looking into seeing if I can have my 25% DreamStart dropped to a smaller percentage, as I now have £20,000 burning a hole in a bank account.