Mortgage Options ni

Repayment Mortgage

A repayment mortgage is the option that most borrowers opt for, as opposed to interest only.

With a repayment mortgage, or capital repayment loan to give it its full name, you pay back both the capital and interest until the mortgage is paid off. This way you guarantee that the mortgage will be paid at the end of the term.

You make monthly payments for an agreed time period, which is normally twenty five years. Depending on your circumstances this could be up to forty years or age seventy five.

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

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Repayment 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 if you would like to find out more.

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 under reference 400866.

If you wish to register a complaint, please write to us at the address above, email us at 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 or by contacting them on 0800 0234 567.