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Unfortunately due to the recent stock market crash many people with endowments have been left with funds that are worth nothing compared to what they had expected, and thus paying your mortgage by linking it to the market has gone out of fashion.

As a consequence endowments are not so common today as they used to be, but the trade of them now exists allowing you to cash-in your endowment and put the fund into your mortgage early by selling it to a specialist firm. The firms are taking a risk by probably paying you over the market rate of what the endowment is worth because they are banking on rises in the

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