Mortgage Options ni

Interest Only Mortgage

With an interest only mortgage, you only pay the interest on the loan each month, which means that the capital sum stays the same throughout the period of the mortgage. You don’t repay any of the capital until the end of the loan time period.

This means that you need to make preparations for paying off the capital sum at the end of the term.

Interest only mortgages aren’t as broadly used as they once were. However, most lenders will look at any sound investment to use as a payoff vehicle. Investments like pensions or ISAs can be accepted.

As a mortgage is secured against your home, it could be repossessed if you do not keep up the mortgage repayments.

028 258 98625
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Interest Only mortgage rates

View and research todays leading mortgage rates available and we shall be happy to arrange your mortgage with the lender on your behalf. 


Call us on 028 258 98625 or send us an email at info@mortgageoptionsni.co.uk if you would like to find out more.

WHAT OUR PAST CLIENTS HAVE SAID

I couldn't recommend Ross and Anne highly enough. Both super friendly and with a wealth of experience to draw upon; their ability to engage with providers directly has saved me time, money and stress! The personal touch they offer to clients has been a breath of fresh air ... zero need to trawl the web or listen to the same old scripts from robots down the phone. I'm in safe hands ... and I'm happy!
Mark Birchenough
Mortgage Options NI have looked after our Mortgage and Insurance affairs for the last 15 years. Their wealth of knowledge and experience in dealing with mortgage and insurance institutions has been invaluable to us and we have always been guided professionally to the lenders/companies that best suited our requirements. They absorb the financial jargon of the lending establishments and search for the best deals from whatever the financial markets have to offer. I have no hesitation recommending Mortgage Options NI.
David Magee
I met Ross and Anne in 2012 for my first mortgage. I hadn’t much knowledge of what options where best for me but that was no hassle for Ross and Anne, they done all the hard work and made my first mortgage experience very easy and relaxed. From then they have been keeping me up to date with everything and choosing what’s right for my mortgage needs. I sent other family members to Ross and Anne and they were also very happy with the service they received. They are very passionate at what they do and nothing at all is a problem to them.
Ashley Fullerton
Ross & Anne are a fab duo for all your mortgage & insurance needs. We had a particularly challenging time with our recent house purchase but Ross & Anne made us feel like nothing was ever trouble and kept in contact with us throughout the entire process. They are both such lovely people also. We are thankful that we researched the market thoroughly and sought our mortgage advice from them. A credible, hard working duo who work with you to get the best individualised option! Thank you SO much!
Jill Armstrong
Ross and Anne have been brilliaint from start to finish. They have helped and guided us at every stage of the process and without their input there is no way our mortgage application would have as went so smoothly. Couldnt recommend them highly enough. P.s Anne makes a cracking cup of tea.
john mclaughlin
Fantastic experience with Mortgage Options NI. The breadth of knowledge and the fighting for one's corner is something I will always be thankful for. Ross and Anne are a great team who really push things along for you and keep you well informed and very well advised. I would thoroughly recommended Mortgage Options NI.
Paul Hunter
Mortgage Options NI provide an outstanding, professional and personally tailored service with excellent knowledge and welcoming faces. They are very quick getting back to you, whatever your mortgage/ life insurance query. Thank you for all of you help and support with our first and second homes over the last 5 years Mortgage Options NI.
Amanda Patterson
I've been working with Ross & Anne for many years now, and have always found them to be not only very personable, but also highly professional. My needs are always at the forefront and they work really hard to ensure that any product is the right fit for my requirements. I can't recommend them highly enough and if you are looking for financial advice, reach out!
Colin Borland
Why choose Mortgage Options ni?
We provide our services to suit you, whether face to face, telephone or email
We search the whole market to ensure we find the right mortgage for you
We continue to monitor the market place and will keep you updated on opportunities
We provide advice on Second Charge loans.

Call us on 028 258 98625 to speak to one of our advisors today.

Mortgage Options ni (Life Assurance Direct Services) is registered in England and Wales. Registered office, 54 Thornhill Road, Antrim, County Antrim, BT4 1LG.

Authorised and regulated by the Financial Conduct Authority. Mortgage Options ni is entered on the Financial Services Register https://register.fca.org.uk/ under reference 400866.

If you wish to register a complaint, please write to us at the address above, email us at info@mortgageoptionsni.co.uk or call us on 02825 898625.

A summary of our internal procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE