Mortgage Repayment

Repayment refers to how you pay back your mortgage loan over time. Understanding your repayment options is key to managing your finances effectively and reaching full property ownership without stress.

Types of Repayment Options:

1. Capital Repayment

   • You repay both the loan and the interest each month.

   • At the end of the term, your mortgage will be completely paid off.

   • Most common and recommended option for long-term stability.

2. Interest-Only

   • You pay only the interest each month, not the original loan amount.

   • The full capital must be repaid at the end of the mortgage term.

   • Suitable for those with a clear repayment strategy or investment plan.

3. Part-and-Part

   • A combination of capital and interest-only repayments.

   • Offers flexibility while reducing the capital owed over time.

4. Offset and Flexible Repayment

   • Links your savings or current account to your mortgage.

   • You pay less interest and have the flexibility to overpay or underpay when needed.

Why It Matters

Choosing the right repayment plan impacts:

• The total amount of interest you pay

• How quickly you build equity in your property

• Your financial freedom and flexibility

Our experts help you review your repayment structure regularly to ensure it continues to match your goals and circumstances.