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Home » Mortgage FAQs » Do all mortgages have to be over a 25-year term?

Mortgages are often taken out over a ‘standard’ 25-year term, but lenders will usually allow you to borrow over a shorter or longer term. By extending the term, the payments are lower, but it will take longer to pay off your mortgage. If you are less than 25 years from retirement, you should consider a shorter term so that the mortgage is paid off before you stop work.

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