Repayment loophole for quicker growth ?

Hi all , I’m just curious to your thoughts:

If you are looking at a repayment mortgage for your BTL ( yes , debatable if it’s the best strategy for property but that is not my point here) why not just take an interest only mortgage, make repayments with the extra profit at end of year?

Surely this lowers risk exposure when first starting out as it allows you retain cash throughout the year incase a roof falls through or something nasty.

If it gets to the end of year and nothing nasty has happened then just make an overpayment?

I thought of this but when I explained it to my mortgage broker he said he had never heard of that and it seemed like a solid idea.

Is there anyone doing this ? It seems like an effective way to lower risk when you’re not as cash flush/ don’t want to jeopardise any personal funds.

For reference, we are a limited company who will take no money out of the business for atleast 20 years.

I am luck enough to be very young so the strategy is completely long term low risk as I have other stable high cash flowing businesses.

Looking to use a BRRR strategy in conjunction with this way of utilising an interest only mortgage while having the goal to pay down the debts.

I have the capital to get 3-4 within the next 2-3 years , also have family with lots of experience in the industry.

Just really curious as to if anyone else is doing this and how they have found it.