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14 cards from this deck
Cost of borrowing, shown as % of total loan amount
1-5% of outstanding mortgage balance
Typically 2-5 years with constant interest rate
Interest rate can change based on lender's SVR
Interest rate set at fixed % above base rate (ECB/BoE)
3-4.5 times annual salary
5-20% of property value
Record of past borrowing and repayment management
15-35 years
Both capital (original loan) and interest
Interest-only payments + separate investment policy
Pays off remaining mortgage if policyholder dies
Predictable monthly payments, easier budgeting
Better interest rates and more mortgage options
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