Types of Mortgages

Repayment or Capital and Interest Mortgage

This is the simplest type of mortgage. The payments you make to the lender every month repay both the capital and the interest from the loan. Provided you keep up the payments, you are guaranteed to pay off the loan by the end of the term agreed (usually 25 years).

The lender calculates your monthly repayments depending on the amount borrowed, how long for, the interest rate & how the rate you have chosen is set.

Interest Only

Flexible and Offset Mortgage

Equity Release, Home Reversion Plans & Lifetime Mortgages


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