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UK ESTATE AGENTS - REMORTGAGES - OVERSEAS PROPERTY FOR SALE AND RENT

* INSURING A CAPITAL-REPAYMENT MORTGAGE

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REPAYMENT MORTGAGE

Repayment mortgage - Also referred to as a capital and interest mortgage is where the monthly mortgage payment represents some interest and some of the capital (the amount borrowed). In the early years of the mortgage the borrower pays off mainly interest but as the mortgage gradually reduces over the years more of the monthly payment goes towards the repayment of the capital. Although the capital is reducing, the monthly mortgage repayment does not reduce (subject to the interest rate remaining unaltered).

 

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INSURING A CAPITAL-REPAYMENT MORTGAGE

When a borrower arranges an endowment mortgage, it is linked to a life insurance policy and gives him the security of knowing, if he dies, the policy will immediately pay off his mortgage debt.

But if you arrange a capital repayment mortgage your estate has no such protection unless you specifically arrange a mortgage-protection policy.

A single premium can be paid when the policy is taken out, or premiums can be paid over a period of years. If the insured dies, the policy a lump sum to pay off the loan or a large part of it.

If a borrower sells his house and pays off his mortgage to buy another, the policy could be kept up to protect the second mortgage. A further policy will be needed if the amount borrowed is higher.

If the period of the mortgage is extended because the interest rate rises, you may also be able to have the policy extended.

When you mortgage is paid off at the end of its term, the insurance company's obligation on a mortgage-protection policy normally ends.. It does not have to pay out either to you or to the lender.

You can, however, take out a mortgage-protection policy with 'survival' benefit by paying a higher premium.

A cash sum is paid to you at the end of the policy term, in the same way as any endowment policy.

 

 

 

 

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