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Suitability (Assessing Suitability (Eligibility criteria,…
Suitability
Assessing Suitability
Eligibility criteria
Repayment/interest only
Mortgage term
Stability of payments
Reduced payments
Early repayment
Overpayments, payment holidays
Mortgage Risks
Risk to home
Negative equity
Repayment risk
Interest rate risk
Fixed rate risk
Fixed/Discount rate rises
Investment vehicle under performance
Assessing Interest-only Mortgages
Acceptable repayment strategies
Savings or investment product
Periodic capital repayment
Sale of assets
Non-acceptable repayment strategies
Equity in property
Inheritance
Sale of own property