Investment Linked Repayment Mortgages

Investment Linked Repayment

Your monthly instalments will cover interest and contributions to an investment or savings plan such as an Endowment (combining Investments with Life Insurance cover), an Individual Savings Account (ISA) or a Personal Pension Plan. The aim of the plan will be to grow the funds sufficiently to repay the remortgages at the end of the period and possibly give you a surplus.

This gives you the opportunity to invest in tax efficient savings plans and to benefit from a rising stock market. Sometimes, the plans include life cover, as with Endowment Mortgages.

However stock markets can rise or fall and your savings plan may not grow sufficiently to cover the repayment of the mortgage. You will need to monitor this carefully and increase your savings early if required.


World of Mortgages is authorised and regulated by the Financial Services Authority. Our FSA registration number is 430499. The FSA do not regulate certain mortgages.
The advice and/or guidance contained within this site is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

We charge a fee usually 2% of the loan amount with a minimum of £2,999. Your home may be repossessed if you do not keep up repayments on your mortgage or other loans secured on it. The overall cost for comparison is 5% APR. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.