Three ways to hold the same loan.

Same £284,500 house, same £28,450 deposit, same 25-year term. What separates them is how much of the house each one has bought by the end, and that is the number the elevation on every page of this site is drawing.

• Capital and interest

  The ordinary repayment mortgage. Every payment buys a share of the bricks.

  monthly

  £1,379

  at the end

  48 of 48 courses at month 300

• Five-year fix, then remortgage

  The same loan with the rate locked for sixty months and re-brokered on the day it expires.

  monthly

  £1,379

  at the end

  48 of 48 courses, with a visible change of slope at month 60

• Interest only

  The payment covers the interest and nothing else. The balance is exactly where it started on the day it falls due.

  monthly

  £986

  at the end

  5 of 48 courses at month 300, the deposit and not one course more

Which one is right is an advice question, not a product question, and it is what the first call is for.