Mortgages and Refinancing

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A mortgage is a method of using personal property as collateral to pay a debt. Mostly, mortgages are used in reference to real estate or land. Creditors (banks, insurers, or other financial institutions) make a loan to the debtor (the borrower). Usually, the most common way to repay a loan is through regular payments towards the capital or principal plus interest over a set period. Loan periods can range from a little as 10 years to up to 50 years. Lenders may charge various fees with giving a mortgage to a mortgagor including entry fees, exit fees, lenders and mortgage insurance, or other administrative fees.



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