Understanding Society User Support

Many thanks for your enquiry. The Understanding Society team is looking into it and we will get back to you as soon as we can. We aim to respond to simple queries within 48 hours and more complex issues within 7 working days.

Best wishes,
Understanding Society User Support Team

Hi Selçuk,

My understanding is that the intention of hstotmg is to capture the total outstanding amount left at the time of interview , see the question wording:

Could I just check, approximately how much is the total amount secured against this property, including your mortgage and any other loans secured on the property? If possible, please check your annual mortgage statement for each loan or mortgage secured on the property.

A quick look at the difference between hsval and hstotmg confirms that's how most people understand this question.

Then, mgold captures the total amount of mortgage secured at the purchase , see the wording:

How much did you borrow originally when you bought the property or took out your mortgage, that is excluding any later additions to the mortgage?

Best wishes,
Piotr Marzec,
UKHLS User Support