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A Guide to Personal Mortgages and Government-Backed Schemes in the UK

A mortgage is often framed as a means to an end: the house. But in financial planning terms, it’s a multi-decade liability that must be balanced against income volatility, lifestyle needs, and broader investment goals. How you structure that debt — the repayment terms, rate type, loan size, and timing — can either support or strain your wider financial health.

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Note: This page is for information purposes only and should not be considered as financial advice. Always consult an Independent Financial Adviser for personalised financial advice tailored to your individual circumstances.