The Capital and Interest Mortgage or the Repayment Mortgage is a traditional form of mortgage, which ensures that the mortgaged property is returned to the borrower. In fact, if you are opting for this type of mortgage loan then you can rest assure that your property would be returned back to you after the stipulated time period, i.e., the mortgage term. In this type of loan the debt is divided into capital repayments and interest repayments.

However, you need to pay a stipulated amount every month. The monthly amount is also divided into interest and capital. This is an easier way to repay your debts since you start with paying off the interest first, gradually progressing towards paying the capital amount. This might be a little expensive than the other forms but at the end it ensures that you get back your property.