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What's the future for interest-only
mortgages?


Almost a third of new mortgages taken out by first-time buyers and remortgagers are now interest-only mortgages, and the vast majority are not linked to a specified repayment vehicle.

Experts are increasingly concerned this could lead to a fresh scandal on the scale of the endowment mortgages debacle, with many people unable to repay the capital element of their loan at the end of their
mortgage term.

As a result, they could be forced to sell up or face repossession by their mortgage lender.

There are hopes that the Financial Services Authority (FSA), which regulates mortgages, will step in with new rules to prevent this, but it could be years before anything happens.

In the meantime, it remains each individual borrower's responsibility to ensure they understand the costs and risks of what they're getting into.

For more about this, read The true cost of an interest-only mortgage.

 


Read on about Interest Only mortgages

Should I choose repayment or interest-only?

How to change from an interest-only to a repayment mortgage.

The true cost of an interest-only mortgage

Frequently asked / common questions about interest-only mortgages

Read our complete guide to interest only mortgages

 

 

Read on

 

 

Read On

Types of UK Mortgages

Repayment mortgages

Interest only mortgages

Interest repayment arrangements

Complete A-Z of mortgages

Read On / Mortgage Guide

Mortgage Basics

Choosing a Mortgage

Different Mortgage Types

Re Mortgages

How to Find your Mortgage

Mortgages in Principle

Costs of UK Mortgages

Mortgage TOP TIPS

Mortgage Calculators

A to Z all UK Mortgage Types

 

Read On

Guide to Buying Home in the UK

Guide to UK Home and Mortgage Insurance

Life Insurance Guide

Glossary of UK Mortgage Terms

Mortgage News

 

 


 



To read more on this subject please see the list below or your mortgage guide or your home buying guide

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Types Of Mortgage

Brief intro

The two major varieties:

Repayment mortgages

Interest only mortgages

Then mix in the various:

Interest repayment arrangements

Finally, to cover all the different types there's a

Complete A-Z of mortgages



Complete A-Z

All UK Mortgage types


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