Self-Employed Borrowers
Variable income means some months are better than others. Flexible mortgages let you overpay during good months and reduce payments when work is quiet.
Flexible Mortgages
Life doesn't follow a 25-year payment schedule. We help you find mortgages that adapt to your changing circumstances, whether you want to overpay when you can or take payment breaks when you need them.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Mortgages are subject to underwriting and criteria. Check terms and conditions.
This information is for guidance only and does not constitute financial advice.
When your finances change
Your income, expenses, and priorities shift over time. A flexible mortgage lets you adjust payments to match your circumstances instead of being locked into the same monthly amount for decades.
Key flexible mortgage features:
- Overpayments to reduce your mortgage term and interest costs
- Payment holidays when your finances are tight
- Underpayments during temporary income reductions
- Borrowing back against overpayments you’ve made
- Offset facilities to use your savings to reduce interest
- No early repayment charges for switching or paying off early
Pay more when you can afford it to reduce your mortgage term and total interest costs. Most flexible mortgages let you overpay up to 10% of your balance each year without penalties.
Take a break from mortgage payments when your circumstances change. You’ll typically need to have made overpayments first to build up credit you can use during payment holidays.
Reduce your monthly payments temporarily during periods of lower income. This flexibility helps you maintain your mortgage when facing temporary financial pressure.
Access money you’ve previously overpaid if you need it for home improvements, emergencies, or other priorities. Your mortgage balance increases, but you maintain flexibility.
When flexible mortgages work best:
Growing Families
Circumstances change when children arrive. Flexible mortgages adapt to maternity leave, career changes, and varying childcare costs.
Commission-Based Workers
Annual bonuses or irregular commission payments give you opportunities to make significant overpayments while maintaining lower regular payments.
Property Investors
Rental income can be unpredictable. Flexible features help manage cash flow when properties are vacant or major repairs are needed.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
Making mortgages work for you
We've helped hundreds of people find mortgages that fit their circumstances.
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Choose what matters most for your mortgage flexibility, and we'll find lenders who offer the features you need.