Compare flexible mortgages

Compare all mortgages that offer flexible repayment options like overpayments and payment holidays. Terms and conditions vary between mortgage deals so check the options before you apply.

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1711 results found, sorted by affiliated products by lowest initial rate. How we order our comparisons. Commission earned affects the table's sort order.
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Halifax 2 year fixed
Maximum LTV
60%
Initial rate
0.89% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
0.89% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
60%
Initial rate
0.89% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
0.9% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
60%
Initial rate
0.9% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.91% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
60%
Initial rate
0.99% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
75%
Initial rate
1.03% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
60%
Initial rate
1.03% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
1.03% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
75%
Initial rate
1.04% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
75%
Initial rate
1.04% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.5% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Virgin Money 5 year fixed cashback mortgage
Maximum LTV
65%
Initial rate
1.04% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
3.0% APRC
Available on new builds. Available on an interest only or repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.50% of the outstanding balance, before 01 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
60%
Initial rate
1.06% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
1.06% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed for first time buyers
Maximum LTV
60%
Initial rate
1.06% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
60%
Initial rate
1.07% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.0% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,499 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 5 year fixed
Maximum LTV
75%
Initial rate
1.14% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.1% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed cashback mortgage for first time buyers
Maximum LTV
75%
Initial rate
1.14% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 5 year fixed for first time buyers
Maximum LTV
75%
Initial rate
1.14% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.2% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£1,495 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 5 year fixed remortgage
Maximum LTV
60%
Initial rate
1.14% fixed until 30 Nov 2026
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
2.9% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 5.00% of amount paid, before 30 Nov 2022

- then 4.00% of amount paid, until 30 Nov 2023

- then 3.00% of amount paid, until 30 Nov 2024

- then 2.00% of amount paid, until 30 Nov 2025

- then 1.00% of amount paid, until 30 Nov 2026

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Virgin Money 5 year fixed cashback mortgage
0330 057 1718
Maximum LTV
65%
Initial rate
1.14% fixed until 01 Feb 2027
Subsequent rate (SVR)
4.34% variable
Overall cost for comparison
3.0% APRC
Available on an interest only or repayment basis. For residential interest only and part and part loans there is a minimum combined gross income requirement of £75,000.
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£995 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 3.50% of the outstanding balance, before 01 Feb 2027

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers
Max age at application68 years
Max age at term end75 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Lloyds Bank 2 year fixed remortgage
Maximum LTV
75%
Initial rate
1.15% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product fee£999 with an option to add to the loan
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Scotland
Available in Wales
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Remortgage Available
Remortgage Only
Self Employed Accepted
Halifax 2 year fixed cashback mortgage for first time buyers
Maximum LTV
60%
Initial rate
1.16% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted
Halifax 2 year fixed for first time buyers
Maximum LTV
60%
Initial rate
1.16% fixed until 30 Nov 2023
Subsequent rate (SVR)
3.59% variable
Overall cost for comparison
3.4% APRC
More information
Application feeNo fee
Arrangement feeNo fee
Booking feeNo fee
Completion feeNo fee
Product feeNo fee
Additional information

Early repayment charge

If you pay all or part of your mortgage early you will be charged:

- 2.00% of amount paid, before 30 Nov 2022

- then 1.00% of amount paid, until 30 Nov 2023

Other fees may apply.

Eligibility
Available Direct
Available in England
Available in Northern Ireland
Available in Scotland
Available in Wales
First Time Buyers Only
First Time Buyers
Max age at term end80 years
Minimum Age18 years
Permanent UK Resident
Self Employed Accepted

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Overall representative example

Based on borrowing£170,000 over 25 yearsThe overall cost of comparison3.65% APRC representative
Initial rate2.10% fixed for 2 years (24 instalments of £714.22pm)Subsequent rate (SVR)3.86% variable for the remaining 23 years (276 instalments of £874.63pm)
Lender fee£552Total amount payable£259,090.78

What is a flexible mortgage?

It's a mortgage that has extra features, like allowing you to pay different amounts each month, giving you more flexibility than a standard mortgage.

Different providers have their own definition of what a flexible mortgage is, so always check what's being offered to determine if it's right for you.

How to find the best flexible mortgages

Think about the aspects that would be most beneficial to you before you look for flexible mortgage deals.

Decide on the features you need

Common features include:

  • Overpayments: Which allow you to pay extra towards your monthly repayments.

  • Underpayments: Which allow you to pay less than your usual monthly repayment amount.

  • Payment holidays: Which allow you to take a break from making repayments for usually up to 12 months.

  • Borrow back: Which allows you to withdraw money that you've previously overpaid.

The features of flexible mortgages vary per provider, so think about which features are important to you before you start comparing mortgages.

Do your homework

Compare flexible mortgages from different lenders to find the best one for you. Check the terms and conditions and beware of restrictions like:

  • Minimum monthly repayments: You cannot pay less than this amount a month.

  • Maximum repayment limits: You can only pay off a up to certain amount of your mortgage balance each year if you decide to overpay.

  • Interest: If you take a mortgage holiday, interest will still be charged. Your minimum repayment amount may increase after the break.

  • Mortgage holiday requests: Are not honoured unless you specifically request them.

Restrictions vary by provider, which is why it's important to compare to find the mortgage that best suits your circumstances.

Get the right mortgage

Once you've decided on the features you need, look at other important factors of the mortgage to ensure that it is suitable, like the:

  • Mortgage term

  • Deposit and LTV (loan to value)

  • Fees

  • Interest rate

For more information read our complete guide to mortgages.

Flexible mortgages FAQs

Will I be credit checked if I apply for a flexible mortgage?

Yes, your credit rating will be considered when you apply. To find out more, read our guide on how credit scoring works

Can I switch my standard mortgage to a flexible mortgage?

Possibly, it depends on your provider, it's best to contact them to check if this is possible.

Can I still incur fees if I over or underpay?

Yes, if your provider has minimum and maximum repayment limits and you breach these, you may be charged.

Can flexible mortgages be managed online?

Yes, many flexible mortgage lenders allow you to manage your mortgage online if you are registered for online banking.

About our mortgage comparison

Who do we include in this comparison?

We include mortgages from every lender in the UK. They are all from lenders regulated by the Financial Conduct Authority. Here is more information about how our website works.

How do we make money from our comparison?

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.