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If you’re unable to maintain your mortgage repayments, the financial institution contains the accessibility to repossessing the home to recoup the losings. You get a cheaper monthly payment having interest-simply mortgages because you only pay the financial institution desire each month. But not, you still owe the large lump sum you borrowed from, which means you you need a fees auto policy for in the event the home loan closes – elizabeth.g. offering the home, remortgaging, an such like. Negative security is when property cost slip as well as the count your’ve borrowed to your mortgage try larger than the worth of the property.

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