FWIW an endowment mortgage is where you get a loan from a loan company and enter a contract to pay into a money saving scheme which pays interest but effectively pays-off the mortgage at the ned of the term. which if the interest rates are low enough no-one sees the gap - or there is money left out of the savings.

Basically the savings scheme paid the advisor plenty of commision.

says it all really - I had to argue with lenders that I didn't want one - they tried to make me feel stupid. They did not tell me how much their commision was for either option. I walked out several times.