A flexible mortgage with lower initial payments by covering only interest for the first 5–10 years, increasing early cash flow and purchase power.
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Interest-only loans allow borrowers to make payments covering only the interest for an initial period—typically 5 to 10 years—before transitioning to standard principal-and-interest payments. This structure lowers monthly costs upfront, freeing up cash flow for other investments, savings, or lifestyle priorities. Available for primary residences, second homes, and investment properties, these loans often allow borrowers to qualify for higher loan amounts, making them a popular choice in luxury markets or for buyers who want maximum purchasing power without overextending monthly obligations in the early years.
This loan type offers unmatched flexibility for high-income earners, investors, and those with seasonal or bonus-based income. By reducing initial monthly payments, borrowers can preserve liquidity, invest funds elsewhere, or comfortably manage other financial commitments. Interest-only loans also work well for those planning to sell or refinance before the interest-only period ends, offering short-to-medium-term affordability while maintaining access to larger loan amounts.
Elliman Capital structures interest-only loans to align with your financial goals and cash flow strategy. Begin with our quick online application, and our lending team will design a plan that balances competitive terms, future planning, and current lifestyle needs.
