Not to pick on Ash26 but this reminded me of something I read once about how we spend more time choosing a Car and related Finance suited to our needs and means, than we do for a house.
It is worrying that it is only after entering into a contract for 10 - 35 years that you are finding out about total interest payable, not being eligible for TRS etc.
To be honest i never even thought about TRS when purchasing our main focus was purchasing well within our means and not getting in over our heads where borrowing was concerned.
We spent over 3 years looking for the right house so i def think i put alot of thought into it!
You should also have received an annual mortgage document documenting your original capital balance owing, the monthly repayments, the interest applied and the current capital balance owing.