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Repayment

How does it work?

You borrow a lump sum over a fixed period of time (usually 25 years but can be shorter or longer). You pay the interest and some of the capital on a monthly basis to the lender.

ADVANTAGES:

  1. Some flexibility with repayments.
  2. The only way you can be 100% certain the loan will be repaid, providing repayments are maintained.

DISADVANTAGES:

  1. Monthly mortgage payments may be higher than interest only mortgages covered by an investment/life assurance product to repay the capital.
  2. Only a small amount of capital is paid off in the early years as the monthly mortgage payment consists of a higher proportion of interest to capital repayment.

Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but will not be greater that £495.


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Company address:
ARG Financial Services Ltd, Patman House, 23-27 Electric Parade, George Lane, South Woodford, London, E18 2LS
T: 020 8989 9666
F: 020 8989 8818

Email: enquiries@arg-ifa.co.uk

Registration address:
C/o Geoffrey Joseph & Co, TaxSaven House, 7 Granard Business Centre, Bunns Lane, London NW7 2DQ
Registration number: 3825632
Registered in: England

ARG Financial Services Ltd is Authorised and Regulated by the Financial Services Authority.

ARG Financial Services Ltd is entered on the FSA register (www.fsa.gov.uk/register/) under reference 222497

The FSA do not regulate National savings products, loans, Will writing and some forms of mortgage, offshore funds and inheritance tax planning.

The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Telephone: 020 8989 9666 | enquiries@arg-ifa.co.uk

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