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Repaying a Mortgage

There are two ways to repay your mortgage, either by a capital and interest (repayment) route or alternatively an interest only method.

The repayment mortgage is considered the safest route.You repay the loan by paying the interest and some of the capital each month to the lender, slowly reducing the amount you owe. Providing payments are maintained, the loan will be repaid at the end of the term.

The monthly repayments on an interest only mortgage represent only the interest due to the lender and do not include repayment of capital. You may therefore need to set capital aside or arrange an investment contract, which can be used to repay the capital by the end of the mortgage term. This is a more speculative method of repaying your mortgage as you are relying on the investment return to meet its target.


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