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A Layman's Guide to Find the Right Mortgage. What is a Mortgage? July 3, 2015. A mortgage is borrowing money using property as a security. Primarily, the purpose in borrowing the money is to purchase a property. However, there are situations where additional capital may be raised on property already owned by way of a second mortgage or re-mortgage. Repayment mortgages – where capital is reduced by monthly payments. Flexible mortgages – usually tied to a bank account.

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