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Few people can buy a property outright so use a mortgage to help them buy a home.

A mortgage is a loan secured against a property. Having a mortgage means that you borrow the money to buy your home and you repay this over an agreed period of time, depending on what you can afford.

It's important you choose a repayment schedule that suits your circumstances as your home may be repossessed if you do not keep up repayments on your mortgage.

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

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