[J400uk]

Not sure what all the secrecy and PMs is about, a forum is here so everyone can view/ contribute!

Anyway it can affect the mortgage as it will reduce the amount they are prepared to loan you, as the car payments will be factored in when the lender assesses you for affordability.

In respect to handing back the A1 you need to find out what the car is currently worth as a trade in (contact a dealer or try WBAC etc) and compare that against what is still owed on the finance. Hopefully you will owe less than the car is worth so could even get a bit of cash out of it.

 

[J400uk]

That settlement figure sounds very high. Was the deposit fairly low if you don't mind me asking? With nearly 3 years worth of payments behind you I'd have thought they'd be a fair amount less owing.