CCCS or Citizens Advice should be able to help - but from what I know if you are in an arrangement and keeping to it then any court would not look favourably on them trying to change things.

I am afraid that is down to you. It sounds like you had a basic valuation, if you had something more in depth - homebuyers report, full structural survey - those problems should have been highlighted and you could have negotiated on price.

BUPA may cover Diabetes, depends on the type - unfortunately I think you just need to wait - the more time since the heart attack the less the risk to the insurer

There is more information needed The rate anyone would give you is decided by a range of things Income, Loan to value, previous credit history, employment status, type of property, age/term of mortgage, other debts - to name a few. But it does sound like you are on a lenders variable rate and even that lender should have better rates.

You can give it a go but if I was selling I would tell you where to get off. If the valuer has come up with the same value as you have offerred then I assume he has taken into account all the problems you have found in the Homebuyers report. If he hasn't mentioned them then you need to get back onto him/her. If the rebulding cost is 28,000 ...

You can't 'surrender' pensions. You can transfer them to another provider/employer or you can in some circumstances draw them from age 50. You would be penalised for doing this. Really need more info as to why you want to 'surrender' them   

You and - say a housing association own the property jointly - the % you own can vary 40,50 or 75% for example.  If you own 50% then you get a mortgage for 50% of the property value and pay the Housing Association rent on the other 50%. Advantages - gets you on the housing ladder, you share in any increase in the property value, you can ...

Again -  a non commital up to you Interest only is cheaper - but you have to pay the capital back somehow - that may be Inheritance, emmigrating, a sharesave scheme, 5 pound notes under the matress or downsizing in the future (if thats possible). You could switch to repayment at a later date - advice would depend on your age, career ...

Administration fee (Coventry) £199,Product fee (Coventry) £800  - Most mortgage companies do a fee free remortgage product - but the interest rate is higher - so its down to you to see which represents the best value for your circumstances. Administration fee (CPM Asset Mangement) £64,Administration fee (freeholder) ...

Up to you. They will lend you more because the monthly repayments will be lower over a longer term. Seriously consider how much you can afford on a monthly basis and work the term on that. You can change the term in the future if your affordability incresses.