Capital and interest repayment mortgage facility requires the borrower to repay a part of the borrowed capital and an interest payment charged on that capital,and each time a payment is made ,the monthly payment is fixed.The risk of capital and interest repayment mortgage is death.And no investment opportunities are offered although the borrower can arrange such facilities along with the mortgage.This repayment mortgage method needs buy the life cover.Interest-only mortgage only needs repay the interest portion over the term and no capital repayment.Repayment amounts is variable,depending on interest rate.The borrowers of interest-only mortgage have investable opportunities.There are some advantages in particular circumstances.The main point to be noticed about the interest-only mortgage is that the monthly payments can be low for a relatively large loan – because you are not paying off the capital at the same time.This repayment mortgage’s financial source is endowment product,personal pension plan or ISA.Alexander can choose only interest repayment mortgage because this repayment method has investment opportunities which can earn money from other investments and lower monthly repayment and he can also choose endowment product to repayment mortgage’s capital because this product does not need purchase additional life cover.我也快看晕了,对于什么抵押贷款的我不太懂,可能改的不怎么样