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Do homeowners lose out on high interest vs repayment in early years of mortgage?

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Hi all you mortgage savvies,

I've just looked at an amortisation table and seen that the % of interest paid at beginning of mortgage is v high vs repayment. If say buyer's circumstances change and they decide to sell property instead of renting out or remortgaging after a few years of taking out the mortgage, does this mean they'll have essentially lost money to the lender considering a higher % of their monthly payments was just interest and not capital repayment?

I'm trying to understand what people stand to lose if/when they don't end up keeping the property until they've paid off the entire mortgage.

Does the amortisation schedule vary per lender or is it standard across all UK lenders, i.e. is the ratio of interest vs repayment vary per lender?

Please note this is not a question about whether or not I should buy with intention to sell in the short-term - I'm not planning to but would like to understand the potential pitfalls, in particular relating to the mortgage loan and interests, should I end up doing so. Thanks in advance!

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