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A mortgage is a loan that is secured by real property (land, buildings).

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I opted for this twice, for two, two-year fixed terms, on my old property, at the advice of my mortgage adviser. The reasoning was sound - if for any reason my income drops, I can reduce my payments … to the minimum that is feasible with no penalty and with no negotiation with the mortgage lender required. I can choose to overpay when I do have enough income, and this overpayment is not subject …
answered Apr 12 '19 by Tom W