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Flexible Mortgage

A flexible mortgage is designed to give you more control over your finances with varying degrees of flexibility - you should be able to overpay, borrow back overpayments, underpay and take payment holidays when you make a payment, plus as soon as you make a mortgage payment you start paying interest on a smaller loan amount.

Pros

Flexible mortgages are specially designed to accommodate the changes taking place in our working environment and lifestyles. Some flexible mortgages allow you to take payment 'holidays' where you can choose not to make monthly payments for up to six months. This is particularly useful for contractors or people taking time out of work to start a family for example.

Cons

However payment holidays will have to be agreed with your lender as taking time off could either increase your repayments later on or prolong your loan period.

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Renewal

Our Proactive Mortgage Management System (PAMM) will check to see if your current scheme is competitive and if not, we will help identify the best mortgage alternative for
your needs. View our full guarantee.

Service

All our staff are highly trained mortgage consultants with the sole aim of helping you source the right mortgage tailored to your set of circumstances and to make the whole process simple. View our full guarantee.