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mortgage guide

flexible mortgages

This type of mortgage will usually allow you to be flexible with your payments i.e. you can pay more or less than the agreed monthly amount, make additional payments, take a payment holiday, or borrow back on payments already made.

Good financial management is needed with this type of product to ensure that the overall level of borrowings reduces. It should be noted that the precise features, terms and conditions of flexible products vary from lender to lender.  In some cases, the interest rate on a flexible mortgage is higher than that of a mortgage without such flexibility; in addition, they may only be available on a variable interest rate.

Finding out more

If you would like further information on flexible mortgages or would like to discuss your mortgage requirements with us please contact us today. Remember, your initial mortgage consultation with us is free, so call us to arrange a meeting at a time that is convenient with you.

We can be contacted on 0800 652 5636 or we can contact you when it suits you best.

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Registered in England No. 3487726. Registered Office, 295 Aylsham Road, Norwich, NR3 2RY. mortgages4me is a trading name of Smith & Pinching Financial Services Ltd, which is authorised and regulated by the Financial Services Authority. Our FSA registration number is 186616. You can verify this and other information by checking the FSA's register at their website www.fsa.gov.uk.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Equity release, home reversion and lifetime mortgage are complex products and you should request personalised information.

Think carefully before securing other debts against your home or property, as it essentially becomes security for those debts and may be repossessed if you do not keep up repayments on your mortgage. If you transfer a relatively short term debt to a longer term, you may pay back more interest in total.

Your initial consultation is free, but subsequent research and advice are subject to a £250 initial fee (mortgage business) or a £500 initial fee (equity release, home reversion and lifetime mortgage business). We receive a procuration fee from the lender or company for placing the business, but you can choose to pay us a fee instead and offset the initial fee.

The FSA does not regulate some aspects of buy to let mortgages. The guidance contained within this website is subject to the UK regulatory regime and is therefore targeted at customers in the UK. For our joint protection, telephone calls may be recorded and/or monitored.