Repayment Mortgages

Repayment Mortgages Explained...

Repayment Mortgages are the most popular mortgages at this moment in time. Each month you will repay some of the interest you owe plus some of the capital, obviously at the beginning of the term (usually 25 years) you will be paying more interest than capital off the sum owed.

Most repayment mortgages are taken for a period of 25 years, although 30 and 35 year mortgages are becoming more and more popular. After the period, you’ll have paid everything owed back to the mortgage lender and the home is yours and you will own it outright.

The chances of you wanting to move home within the mortgage period is high, however you might be able to take the mortgage with you to the new property (porting) or you can pay back everything and start all over again with a fresh mortgage.

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We were getting a little fed up of the local estate agents trying to use their mortgage broker, so we used google, filled out the form, spoke to a guy and had a mortgage which beat quotes from our own bank, with the same bank.

Robbie and Chloe, Belper, UK

Easy process from start to finish, made it as simple as possible for me. Life Insurance was sorted at the same time to save me doing it at a later date.

Tracy Pole, Eastwood, UK

Self Employed builder and struggled with mainstream lenders to get a Mortgage, took me 5 minutes to complete the form and within a week I'd been sorted. Mark and the team helped me loads and love living in my own house.

Anonymous, Allestree, UK

We sent an enquiry about a mortgage and within a few hours a Mortgage Adviser called and went through out details. We received Mortgage Offer in Principal which we sent to the Estate Agents and within a couple of months we were in. The service received is second to none.

Tom & Selina Harold, Derby, UK

Your home may be repossessed if you do not keep up repayments on a mortgage or other loans secured on it. Think carefully before securing other debts against your homes.