At the end of an interest-only buy-to-let mortgage term, the original capital amount borrowed remains to be paid in full, as throughout the term you’ve only been paying the interest. It is the borrower’s responsibility to have a plan in place to repay this sum. This could involve selling the property (assuming that the property value has not declined), refinancing, or using other savings or investments. It’s crucial to plan ahead for this to avoid any financial pitfalls.