An annuity mortgage, is the most common type and also obligated if you want to have the tax advantage on the interest.
Your bank works out the amount you need to repay each month to clear your mortgage by the end of the duration of the loan, mostly 30 years. Your monthly repayment is made up of two parts:

  • An interest payment on the loan
  • A capital repayment (paid off the balance)

In the early years, most of your repayments will go toward paying off interest on your mortgage. But as your mortgage reduces, the interest part of the repayment goes down.

With this also your tax advantage on the interest will go down over the years.

Your monthly repayments go toward paying off the capital will speed up over the years.
You can usually choose either a fixed or a variable interest rate on an annuity mortgage or a mixture of both.


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