If you enter a grace period, this means that you cannot repay. When taking out (linear) mortgages, the interest-only option is often included. If you want to repay faster, you must include a clause in the mortgage offer in advance to be able to repay an amount per year without penalty.
There are advantages and disadvantages to interest-only.
Advantages
Cons
Banks usually lend to companies up to 60% – 70% interest-only. You must have your own investment for this.