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Northern Bank Re:Pay Mortgage....any good

This seems like a very flexible mortgage for people whose incomes fluctuate, it also seems to be quite a sensible way to manage a mortgage...

But is it any good?

http://www.northernbank.co.uk/en-gb/Personal/mortgages/Residential-Mortgages/Products/Pages/Northern-Repay.aspx
Was a 40 a day smoker for 20 years.
Decided to give up, and haven't had a fag for 12 years.
Halfway through losing six stone.

Looking forward to early retirement.

Comments

  • blueberrypie
    blueberrypie Posts: 2,402 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Name Dropper
    It's basically an offset mortgage, and you'd have to have enough savings to make it worthwhile. You'd still also need to qualify on income - and note that Northern Bank only lends on properties in Northern Ireland (which I don't think you are?)
  • No, i didn't realise about the Northern Ireland bit, so that's that then!
    And, savings will be eaten up with fees and general moving costs.
    Was a 40 a day smoker for 20 years.
    Decided to give up, and haven't had a fag for 12 years.
    Halfway through losing six stone.

    Looking forward to early retirement.
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