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How a UK pension mortgage works


A pension mortgage is a form of interest-only mortgage.

As with an Isa mortgage (another poor idea), your monthly mortgage payment covers just the interest clocked up over that period. It doesn't include any of the capital the original sum borrowed.

that's what where the pension plan comes in you also make monthly payments into this to build up a fund to repay the capital at the end of your mortgage term.


You could use a work or personal pension you're already paying into, or you could start a new one through an independent financial adviser (IFA).


The good part is that you get a little extra help in the form of tax relief.


If you're a basic rate taxpayer, the Revenue will add 28p to every £1 you invest.

If you're a higher rate payer, on top of that you can reclaim a further 38p per £1 through your tax return.


So what's the catch?

Hmm. Where do we start

To find out more, read The dangers of a pension mortgage.

 

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



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