Flexible Mortgage

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Pay more when you're flush and less when you're broke

Unlike a traditional mortgage, a flexible mortgage enables you to pay more when you're rolling with money and pay less when you're a bit short of cash. Many lenders will even let you take payment holidays, breaks of several months when you don't pay a penny towards your mortgage.

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Wouldn't it be great if you could skip the odd mortgage payment when money's tight, for example at Christmas? With a flexible mortgage, you can. The idea is simple: lenders realise that sometimes we've got more money than at other times, and they've created the flexible mortgage to reflect that.

A flexible mortgage isn't just for people who occasionally find that money's tight; it's great for people who end up with spare cash too. If you've got a bit of extra money one month you can pay more than your normal mortgage payment, and by doing so you'll reduce the amount of interest you have to pay. Conversely if money's really tight, you can take a payment break. Provided your payments are up to date, many lenders will let you skip several months' mortgage payments although of course you need to get their permission first.

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