Jason Bailey

Expertly compared by Jason Bailey

Products Updated May 17, 2018

Capital Repayment Mortgages

Here you can view all the interest and capital repayment mortgages from a wide range of the market. See the mortgages and products on offer from fixed and variable rate, tracker deals and mortgages for buy to let investors and first time home buyers. Use the search filters to alter the results to find your perfect mortgage deal.

Free mortgage advice and brokerage service. Our experts can find you the perfect deal from thousands of products & exclusive deals:

Your home may be repossessed if you do not keep up repayments on your mortgage.

Results:1 providers expertly compared:

Lending Expert


This provider is our Expert’s Choice in its category as it won tops marks for the following.


Learn more about how we review and assess the providers here on Lending Expert.

60% - 100%

Initial Rate
1.19% - 4.32%

Standard Rate (SVR)
3.94% - 4.79%


Variable & 3 ,5 & 10 Fixed Rate

Rated 4.9/ 5

All credit types

The mortgage experts at First Choice Finance can quickly assess your requirements and search the market place to find you the perfect mortgage deal. Click get a quote to make an enquiry today.

Read our customer and visitor reviews for this product:

Rating: 4 / 5 with 2 votes

Simple application process

by K Wheeler

Simple application process - broker was kind and offered advice.

Quick search

by James Hilton

This is a quick mortgage search facility and shows many lenders across the market. Impressed with the level of detail on each product.

Why should you choose capital repayment mortgages?

Capital repayment mortgages

You will often come across these mortgages being referred to as ‘capital and interest’ mortgages. This is because you pay the interest on the mortgage and then each month you also pay off a small amount of the overall mortgage debt. There are a number of benefits of taking out this type of mortgage over mortgages such as interest only mortgages.

The benefits of a capital repayment mortgage

Perhaps the biggest plus point for taking out a capital repayment mortgage is that at the end of your agreed mortgage term you will have paid off the entire debt and so your final payment will be used to clear the last of the mortgage loan. This will leave you as the owner of your property with no financial ties to your mortgage lender. This is in distinct contrast to an interest only mortgage in which you only pay off the interest on the loan each month. In this case, the original loan is still owed by you at the end of the mortgage term.

As the years go by, with a capital repayment mortgage, you will see your payments gradually reducing as you have to pay less and less interest on your loan. Compare this to an interest only loan where your payments will remain constant over the lifetime of the mortgage, although they will change with changes in interest rates. By paying off your mortgage you are also building up equity in your home and so if you decide to move you are more likely to have a larger deposit, which in turn will enable you to take advantage of mortgages with better interest rates due to your improved loan to value ratio of your mortgage.

The downsides?

Personal Loans

The main disadvantage of a capital repayment mortgage is that you will find that your monthly payments are higher than for an interest only mortgage. This does mean that you are likely to have your higher mortgage payments when you are potentially least able to afford them. However, you should also consider the alternative in that if you have an interest only mortgage you will not only have to find your interest payments, you will also have to independently find a way of building up the funds to be able to pay off your mortgage loan at the end of the mortgage term.

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