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Mortgages are the biggest financial commitment you’ll ever make. You might be wondering: Can I afford the monthly payments? What are my long-term plans for this property? And, most importantly, which mortgage type suits me best? In the UK, there are two main repayment methods to choose from—interest-only mortgages and repayment mortgages. Picking between the […]

As the end of your interest-only mortgage term looms, it’s normal to feel a bit unsure about what happens next. Will you need to repay the entire loan at once? Should you extend the term or remortgage? Or are there other options if you’re not ready for a big payment? These are questions many homeowners […]

For years, interest-only mortgages have been advertised as a way to keep your monthly housing costs low.  Pay only the interest each month and deal with the actual loan amount later.  But that “later” part can be tricky without a solid plan. The good news is you can  build a “repayment vehicle” – an investment […]

Have you ever wondered if there’s a way to use your savings more effectively when buying a home? With an interest-only offset mortgage, you can do just that. This type of mortgage lets you offset your savings against your mortgage balance, reducing the interest you pay each month.  It’s a smart way to make your […]

If you want to keep your monthly mortgage payments low, you might have considered interest-only mortgages. These mortgages let you pay just the interest each month, which can significantly reduce your costs. But is this the right option for you? 🤔 In this guide, we’ll explore how interest-only mortgages work, what criteria you need to […]

We all love the idea of saving money each month, and with an interest-only mortgage, that’s exactly what you get – smaller payments for now. But before you jump in, it’s important to know what you’re really signing up for.  Let’s take a look at how much an interest-only mortgage could set you back, and […]