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You can conveniently choose the repayment duration, which stretches for a period of 5- 25 years. Clearly, you will not like the terms and conditions of the outstanding loan, but you really do not have some option. By doing this, you'll figure out what it is that you are spending additional. According to the VANTAGE score, it would be beneath the D class. I purchased my first home over 20 years ago in 1985.