Flexible Mortgage


As its name suggests, this is a type of mortgage that offers considerably more flexibility than traditional mortgages.

Although specific details vary between Lenders, the core features of Flexible mortgages are:

  • daily or monthly capital rest
  • ability to make overpayments at any point of the loan term without an early repayment charge

In addition, many Flexible mortgages allow borrowers to:

  • defer payment by taking payment holidays
  • drawback overpayments
  • drawdown further advances
  • underpay without penalty (often only to the amount of any previous overpayments)
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