Flexible Mortgages

As the name suggests, flexible mortgages have been designed to give you greater freedom when making payments on your mortgage. You are able to underpay, overpay and take payment holidays, all without incurring any fees — something that does not apply with some mortgage types.

A flexible mortgage could be suitable for you if your income varies from month to month. For this reason it's very popular with the self emplyed, or those with a variable income for any reason. On the months you are feeling flush, you can make extra payments to your mortgage, enabling you to pay off your loan more quickly.

Other months you might want to make a smaller payment, or even borrow back some of the surplus contributions you have made. If you decide to take a payment holiday, be aware that the interest will continue to apply to your loan, and will increase your monthly repayments.

The disadvantage of most flexible mortgage deals are that they usually don't offer the lowest interest rates to begin with. If you need or want the flexibility, it might just cost you a little more in the short term. Although in the long term, if you regularly overpay, you stand to make some very worthwhile overall savings.

We suggest that the best way to find out if a flexible mortgage (or any other mortgage type for that matter) is suitable for you is to consult an FSA-qualified mortgage adviser.

By filling in our mortgage form you will obtain unbiased mortgage advice and a quote, representative of the whole of market, with no strings attached.

You can also call an assistant 24 hours a day on 0845 803 5502

Step 1 of 3

About your mortgage

Are you looking to:	How much would you like to borrow?
Buy a property Remortgage a property Buy a property to let

	How long do you need the mortgage for?

Proceed to step 2.

Step 2 of 3

About your mortgage

Estimated property value?

Are you a first-time buyer?
YesNo

Do you need to self-certify your income?
YesNo

Have you:

	Had a CCJ or Default registered against you?
	Missed one or more secured loan or mortgage payments in the last 12 months?
	Been declared bankrupt or had an IVA?

Proceed to step 3.

Step 2 of 3

About your mortgage

Estimated property value?		How much would you like to borrow?

Proceed to step 3.

Step 3 of 3

Your details

First name:	Last name:

Phone number:	Alternate phone number:

E-mail address:	Date of birth:


First line of current address:	Current postcode:

Based on your requirements we have selected the FSA regulated broker Broker Name to help you with your enquiry. Please click SUBMIT to confirm that you are happy for them to contact you by telephone/e-mail.

Finished

Thank you for your enquiry.

Your adviser will be in touch with you shortly.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER DEBT SECURED ON IT

Our service is free to you but to operate this service we receive fees from the lenders or brokers we refer you to.There may be a fee for mortgage advice. The adviser is obliged to disclose to you the fee before providing the advice and the precise amount will depend upon your circumstances. We estimate that a typical fee will be 1% of the sum you borrow.