@dlowan,
Looks like there's a problem. Of course, nobody will tell me what it is, but the team leader of the company that manages my mortgage was said to be trying to sort it out with the actual lender, ING, yesterday afternoon. Seems as though there is a chance I might get some bloody answers on Monday.
Lucky I stopped listening to my mortgage broker on Thursday and tackled the companies direct. The actual lender had not even heard about the the substitution of security when I called Thursday.
I already hated the dumbness of having a bank lending the money and some company managing the actual loan from then on in, but I could save a few thousand by sticking to the same people, which seemed worth it at the time.
If I don't get the loan, I have less than two weeks to find somewhere to live.
The people selling to me have now also bought and are now also caught up in this drama.