Endowment Mortgage Shortfall: Contact National Residential for Help

Since the 1980s and 1990s, thousands of endowment policies have failed to mature as expected, leaving homeowners struggling to make final mortgage repayments due to significant shortfalls.

If you’re facing an endowment mortgage shortfall and don’t have savings or other means to cover it, extending the term of your mortgage may be an option if you have a regular income. However, if this isn’t feasible, you may be forced to sell your property to release its equity.

Downsizing to Repay an Endowment Mortgage Shortfall
If the value of your property has increased significantly, you might be able to downsize—selling your current home, repaying the shortfall, and buying a smaller property outright.

To minimize stress, start your search for a new home well in advance of your final mortgage repayment date. This proactive step can help you avoid the added pressures of looming deadlines or debt recovery negotiations.

Your mortgage lender and endowment policy provider can inform you of the earliest date you can repay your mortgage or cash in your policy without penalties or losing bonuses.

Why Contact National Residential?
National Residential can provide you with expert, free advice on what your house is likely to achieve on the open market. While prices can fluctuate, this estimate can give you a clearer idea of your budget and allow you to prepare your current home for sale.

Fast and Flexible House Sales with National Residential
When you’ve found your ideal new home, National Residential can sell your current house in just 28 days (or adjust the timeline to suit your needs). Alternatively, if you need a fast sale and immediate access to funds, we offer a Fixed Price Sale Without Fees option, giving you a guaranteed cash offer.

Our cash transfer fund can even bridge any shortfall, helping you repay your mortgage while waiting for your endowment policy to mature.

This service was specifically developed to address the lack of support offered by financial institutions, especially for those nearing retirement. It’s the perfect solution for individuals needing a short-term financial bridge.

Don’t Delay—Take Action Today
The most important advice we can give is: do not ignore the problem. If left untreated, the situation will only get worse.

Contact National Residential today for expert guidance and practical solutions to help you manage your endowment mortgage shortfall. We’re here to help make this process as stress-free and straightforward as possible.