If you have an interest-only mortgage it’s vital to have a plan to pay off the capital. If you don’t, you may have to sell your home to repay the mortgage when the term ends. You could also find that you can’t move home or remortgage to a cheaper deal if your home has fallen in value, or even remained the same, as some lenders will no longer offer such a high loan to property values as they did in the past. Time is short – follow the steps below to get on track.