I've applied to my mortgage provider to adjust the length of my mortgage from 5 years to 12 years because my eldest has started college and it's a money pit with accommodation etc. They seem to be dragging their heels in making a decision. I would of thought it would be straight forward. The mortgage is about 15% the value of the house. They'll get more money out me in interest. My concern is I can cover the payments until the new year but after that it's a choice fall behind in mortgage payments or pull my eldest out of college. It's not going to be the 2nd option! So does that mean my credit rating will be rubbish and forget about getting loans in the future? Or do I have to fall behind before they wake up and take my application seriously? Can I complain to ombudsman or however if they cause my credit rating to bottom out? I've had mortgages for 20 plus years and I've never missed a payment!