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 Unlike remortgaging there are no monthly payments, meaning your retirement income will not be negatively affected. You can choose to take out a capital repayment or an interest only buy to let mortgage, however interest only mortgages are more common among landlords. Buy to let lenders will usually want at least a 25 per cent deposit and the mortgage rates and fees tend to be higher than those for residential mortgages.. The initiative is being driven by the bank's chief operating officer B Madhivanan, who joined in the previous year from ICICI Bank, where he was chief technology officer and head of digital initiatives. Incidentally, IDFC First Bank's MD CEO V Vaidynathan too was head of ICICI Bank's retail business before he moved to do a management buyout of Future Group's financial service business, which was later merged with IDFC First Bank. According to Madhivanan, the pandemic has redefined payments in the country with a huge shift to digital. Despite the fac