Thanks for all of the advice and also separate advice I really appreciate the response. We are trying through another lender at present so fingers crossed.

Yes it is a hybrid trust but I think it is the issue that it is set up by Chan & Naylor AND a hybrid trust, they said they would look at it if I had one set up by another company.

I now need to get some independent advice about the advice I paid Chan & Naylor for, which I will do after Xmas… Very frustrating……

Thank you all again