I used LSAP to assist me in getting a flat, 2 years down the line and currently going through the re-mortgage process. I have found that having LSAP is not as good as they make out (Â£8500 interest free loan). Your tax code changes and also despite the UPO saying you donâ€™t pay it off until the last 10yrs of your service you pay an insurance premium for having it. Another thing they donâ€™t tell you is that its not just an interest free loan but infact a second mortgage! This means when going through a re-mortgage then Pusser has to give their approval for the new mortgage. So far this has taken nearly 8 weeks and caused me to pay out nearly Â£300 in additional mortgage payments. Has anyone else had a similar nightmare with it???? I advise anyone who is considering using it to seriously think about it and also if they do decide to take it out, pay it off ASAP!!!!!!