1.   They will lend against most types of property and offer a choice of capital repayment, endowment or pension linked mortgages.

2.   Initially this means that the proportion of capital repayment is very small, but the proportion progressively increases throughout the period covered by the mortgage.

3.   Other variations on possible repayment structures include a moratorium on capital repayments for a period at the beginning of the loan.

4.   For payments, the trustee will utilise the interest and capital repayments received on the mortgage loans from the original borrowers.