What Mortgage Repayment Methods Are the Best? – YPCtv Education

What’s the best repayment method for you mortgage? Principle? Interest only? Both? Line of credit? All in one?

In this video Brett Alegre-Wood shows you how each one works in detail and illustrate which one works the best for investors, and why. There’s an extra clever way to go that you might not have heard of.

But that said, it’s all becoming irrelevant when the reality is that the FSA are now actively regulating consumers away from interest only mortgages. Unless you become wealthy your choices will continue to become more and more limited.

Watch this video and find out more…

Brett Alegre-Wood is a award winning and best selling author of The 3+1 Plan and is Founder and Chairman of YPC group.

YPC Group is a leading UK property investment education and portfolio building service with offices and clients around the world. They specialise in London and UK new build and off plan property investment.

Call the team on +44 (0)207 812 1255 or or

For more mortgage and UK property investment tips, visit Brett’s Blog –

14 Replies to “What Mortgage Repayment Methods Are the Best? – YPCtv Education”

  1. Hey Brett it pains me to say this as I'm an Englishman and your an aussie but I'm am currently looking for my first investment property and its great to see someone with sensible advice thats clear and concise. If i was still living in England i would be seeking advice from you on how to get my portfolio going, keep posting more video's.
    I'm fed up with all the "BS" that you see on here from the "Guru's" of the industry who are more like sale's people than investors.


  2. Realistically, inflation will be your best friend over the long term in paying down your mortgage. Now before everyone jumps up and down, the actual figure you owe may stay the same but in 25 years, let's say £200,000 will be the same as £20,000 in todays terms. This is my biggest friend.

    However if you don't have 25 years left then you may need to consider a repayment vehicle depending on your portfolio. This is best speaking to a professional about. 

  3. hmm so from the offset account your reducing interest but but your still making the same regular payment therefore paying off more principal sooner is this the main concept?

  4. Hey Brett, Can you or somebody else help me set my house up with the Line of credit method? My personal residence is in USA, Nevada, Las Vegas. I've been searching for this method for quite awhile. Any contact would be great. Thank you. 

  5. In Australia it can be an offset account, or a redraw account (be careful as there could be a different tax implication for redraw accounts if you use the loan for investment properties – the interest on the amount redrawn may not be deductible).

    In the US, it's commonly called the HELOC (Home Equity Line of Credit).

  6. I agree 100% with having a line of credit (HELOC) on your primary residence. That is the strategy I am now using. I received a HELOC and used the line to purchase two properties. As I pay the line down, I can buy another property. This provides a flexible option in case I am for any reason unable to obtain additional mortgages.

  7. Hi, very good video and thanks for doing the whole series, Very insightful. I do have one question though. I understand the concept of inflation being our friend as 100K today won't have same value 25 years later, but what about the interest we pay on that 100K for those 25 years. Interest rates are always higher than inflation rate, so aren't we losing money by keeping the 100K alive in loan ?

  8. Don't think the average wage will be 912 quid a week in 2022, Brett, more like 526 if the economy has not totally collapsed or been taken over by China or Europe by then!!

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