I have just got an interest only loan for 20 years from NIB .I am age 49.Hoping to to pay of bulk of capital with my wife's pension lump sum in 15 years time as well as money put aside from rental income.Loan 120,000 euro for investment property.Re mortgaged main residence worth 500,000 +.Hoping to pass on investment property to son or daughter.Maybe get them to pay off capital in 20 years time.