Biggus, you should have been firmer with your mortgage company over the terms of LSAP. It is not a loan or second charge on your property, the LSAP folk cannot take your house away if you fail to pay it, thats what the insurance element of the repayment is. LSAP is simply an advance of pay, unsecured. A mortgage or other loan company may take the monthly repayment into account when calculating how much they are prepared to advance you, sensible enough.