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What is full repayment and how does it affect my mortgage?

Full repayment consists of paying off all the outstanding mortgage principal in advance, thereby paying back the loan in its entirety. This means you no longer have to make monthly payments and reduces the total cost of interest. However, it may involve paying early repayment fees and some administrative costs to record the repayment in the Property Register. It is an effective way to get out from under the debt, but it is important to review the terms of your contract before doing so.

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