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A mortgage has a product time period and a mortgage time period, the mortgage term is the full period of time you’ll have the mortgage (typically 10 to 25 years) where the product time period is how long you can be tied into a fixed charge (usually 2 to 5 years) The borrower promises to repay the borrowed money on a sure date and if it’s a repayment mortgage can have cleared the mortgage in full by the tip of the mortgage time period.
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