Some lenders offer part-and-part mortgages, where part of your mortgage is interest-only, and the other part is a repayment mortgage. It will make your monthly payments a bit cheaper, but at the same time, you'll be paying off some of the balance. That means you'll have less to repay at the end, and your interest payments will gradually decrease. These are less risky than a mortgage that's fully interest-only but you will still have a sum to pay back when the mortgage term ends. This means you'll still need some kind of repayment plan in place. Speaking to a mortgage broker might help you work out if a part-and-part mortgage is right for you.