<prompt> Human: My parents took out a long term mortgage for 420,000 in 2005. Since then we renovated the house, and the total cost for this has been 200,000. This renovation was finalized in Feb 2015, but their entire mortgage is sitting at 620,000. Their salary is 115,000 a year gross around 35k in taxes? and repayments have increased from 2.5k a month to 3k this year. So they have been paying 2.5k a month since 2005. How on earth have they not paid anything off?? How high could the interest possibly be? Im shocked.. think I need to book them an appt. with a financial advisor. Any advice, reddit?  <response>: Just stay out of it. If theyre paying on time, let then manage their money as they see fit. 