Mortgages Explained

Repayment Methods

Repayment

A Repayment Mortgage is structured so that the monthly mortgage payments, comprising partly of capital and partly of interest, pay off the original amount borrowed as well as the interest that would be accrued over the mortgage term, by the end of the term.

Interest only

So called, due to the fact that you only pay interest to the lender each month. The original loan amount remains the same for the term of the loan. Therefore a suitable means of repaying the debt at the end of the term is required. If you require advice on the most suitable vehicle for you, you should seek advice from an Independent Financial Advisor.

A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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The levels and bases of taxation and UK interest rates are subject to change.

The guidance contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK. Principal: Peter Martin Dronfield.