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Money Foundations5 minMorrow+

How mortgages actually work

For most people, buying a home means borrowing a large amount of money over many years. That loan is called a mortgage.

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A mortgage is a loan secured against a property, normally repaid through monthly payments over an agreed term.

If a home costs £250,000 and you provide a £25,000 deposit, you may need a £225,000 mortgage to fund the rest.

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