CeMAP 2&3: Topic 22

In this episode, we're breaking down interest-only repayment strategies — a topic that can feel overwhelming but is essential for CeMAP 2&3 and real-life mortgage advising.

Here’s what we cover:

👉🏻 What exactly is an interest-only mortgage and when it’s used

👉🏻 The key types of repayment vehicles your clients might use to clear the capital

✅ ISA's as repayment vehicles

✅ Pension-linked repayment plans

✅ Help to Buy ISAs – how they work, and their restrictions

✅ Lifetime ISAs (LISAs) – and how they differ from the above

👉🏻 Pros and cons of each vehicle, and what CeMAP wants you to know

This is a really practical topic and a favourite for exam questions, so make sure you give this one your full attention!

💼 Quick shoutout…

If you're self-employed or newly qualified and need an accountant who gets this industry — I highly recommend Leila, who looks after me and a bunch of my students.

You can start a WhatsApp chat with her here:

👉🏻 https://wa.me/447999625555

She’s smart, supportive, and brilliant at breaking things down in plain English.

📝 Don’t forget — if you’re studying through the e-learning platform, you’ll find bonus resources and flashcards for this topic under the CeMAP 2&3 section.

Let’s get you exam ready (and mortgage advice ready, too). You've got this.

— Charlotte & Maria x