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Mortgage & Equity Release - Call Us 0117 205 1481

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.99%
Rate type: Fixed May-2023
Monthly cost: £427.58 per month
Max LTV: 65%
Product fee: £1213.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 1.99% Fixed May-2023 3.9% APRC 65% £1213.00 £300 cashback £427.58 per month get quotes Call direct0330 057 1528 More details
Initial rate: 2.2%
Rate type: Fixed May-2023
Monthly cost: £433.66 per month
Max LTV: 65%
Product fee: £218.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 2.2% Fixed May-2023 3.9% APRC 65% £218.00 £433.66 per month get quotes Call direct0330 057 1528 More details

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.


The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).


In this example the overall cost for comparison is 3.7% APRC representative.



Flexible Mortgages

Our Mortgage Service - Why choose us?

Special features of what we offer include:

  • Get the best flexible mortgage deals in the UK
  • Whole of market service - we work with most UK lenders
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To investigate your flexible mortgage options call our mortgage team on 0117 313 7780 or fill in our call back form.

When choosing a mortgage deal, it can be useful to work out the level of flexibility that you require before you start researching the market. Use our FREE mortgage calculator to compare over 5,000 of the latest mortgage deals and find the right flexible mortgage for you.

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Choosing a mortgage with a range of flexible options could allow you to deal with any changes to your financial circumstances that might occur in the future. Some of the flexible benefits that you may be able to get with your mortgage could include:

Mortgage overpayments

An overpayment facility allows you to make an additional payment beyond your standard monthly payment. You can set up regular overpayments when it suits you to do so, and you can stop whenever you choose.

Overpaying can be useful because it could allow you to pay off your mortgage more quickly. Also, because your balance reduces faster, your interest goes down, too.  Do be aware that some mortgage deals only allow overpayment up to a certain percentage of your outstanding balance - if you pay more than this, you could incur a charge. Therefore, it makes sense to check overpayment limits with your mortgage provider.

Borrow back

Some mortgages allow you to borrow back money that you have previously overpaid, to use for whatever you want. This facility can be very useful if you suddenly find yourself in need of cash- for example, to pay for a wedding or to make essential household repairs. You will usually need to have made a certain amount of overpayments before you become eligible for this flexible feature.

Mortgage underpayments

In the same way as you can overpay, you may be allowed to underpay. This means you can make a payment lower than your normal monthly amount for a set period. You will usually need to have made a set amount of overpayments before you are permitted to make underpayments.

Payment holidays

Some mortgages offer the option to take a break in payments, known as a payment holiday. These can last from one month to up to 6 months in some cases, depending on which mortgage provider you use and how long you have had the mortgage. The key thing to remember with payment holidays is that interest will continue to be charged whilst you are taking your break, so you could face higher payments when the break comes to an end.

To compare flexible mortgage deals with other leading mortgage rates on the market, and to find the best deals for you, you can use the mortgage calculator to search over 5,000 mortgage offers based on your personal circumstances.

For more information call 0117 313 7780.

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