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Repayment

This is the only way you are going to guarantee that the property is yours at the end of the term. What it means is that every time you make a monthly payment, you'll pay off a bit of interest due and a bit of the capital until the debt is completely and utterly finished.

In the beginning you'll be paying off mostly interest, so if you sell up in the early years you'll find you've hardly paid off any capital at all. But after a few years, you'll be whittling away at bigger and bigger chunks of the capital. Many lenders now offer flexible repayment mortgages too so that you can pay more than the prescribed monthly amount when you can. A repayment mortgage is the surest and safest way to see off the loan. You borrow the money and you pay it back in instalments.

 
 
 
 
 

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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED AGAINST IT.

Mortgage Quest Ltd is authorised and regulated by the Financial Services Authority (FSA). Our FSA register number is 312484. You can check this on the FSA's website www.fsa.gov.uk/register or contacting the FSA on 0845 606 1234. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily restricted to consumers based in the UK.

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Registered Office: Avondale House, 262 Uxbridge Road, Hatch End, Pinner, Middlesex, HA5 4HS Tel: 020 8421 7998 Fax: 020 8421 7997
email: info@mortgage-quest.co.uk

 
   
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