Compare Flexible Mortgages

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  • Barclays Mortgage's logo'

    Barclays Mortgage 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £559.89
    Continue on Barclays Mortgage's website + More Info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £559.89
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.92% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £559.89
  • HSBC's logo'

    HSBC 2 Year Fixed

    • Initial Rate
      0.94% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Initial Rate
      0.94% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed for 3 years
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      0.94% Fixed for 3 years
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • NatWest's logo'

    NatWest 2 Year Fixed

    • Initial Rate
      0.94% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £561.24
  • Royal Bank of Scotland's logo'

    Royal Bank of Scotland 2 Year Fixed

    • Initial Rate
      0.94% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £561.24
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.94% Fixed to 30/11/2023
    • APRC
      3.20%
    • Product Fee
      £995
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.98% Fixed to 01/10/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £563.95
    Continue on Fluent Mortgages' website + More Info
  • Cumberland BS's logo'

    Cumberland BS 2 Year Fixed

    • Initial Rate
      0.98% Fixed to 01/10/2023
    • APRC
      3.80%
    • Product Fee
      £1,999
    • Monthly Repayment
      £563.95
    Continue on Fluent Mortgages' website + More Info
  • Click here to see 1 similar product
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS 2 Year Discounted Variable

    • Cashback Available
    • Initial Rate
      0.99% Discounted Variable for 2 years (4.90% disc)
    • APRC
      4.50%
    • Product Fee
      £699
    • Monthly Repayment
      £564.63
    Continue on Fluent Mortgages' website + More Info
  • Lloyds Bank's logo'

    Lloyds Bank 2 Year Fixed

    • Cashback Available
    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £564.63
    Continue on Lloyds Bank's website + More Info
  • Lloyds Bank's logo'

    Lloyds Bank 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £564.63
    Continue on Lloyds Bank's website + More Info
  • Click here to see 1 similar product
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      3.30%
    • Product Fee
      £995
    • Monthly Repayment
      £564.63
    Continue on Fluent Mortgages' website + More Info
  • TSB's logo'

    TSB 2 Year Fixed

    • Initial Rate
      0.99% Fixed to 30/11/2023
    • APRC
      2.40%
    • Product Fee
      £995
    • Monthly Repayment
      £564.63
    Continue on Fluent Mortgages' website + More Info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.00% Fixed to 02/11/2023
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £565.31
    Continue on Fluent Mortgages' website + More Info
  • Santander's logo'

    Santander 2 Year Fixed

    • Cashback Available
    • Initial Rate
      1.00% Fixed to 02/11/2023
    • APRC
      2.80%
    • Product Fee
      £999
    • Monthly Repayment
      £565.31
    Continue on Fluent Mortgages' website + More Info
  • NatWest's logo'

    NatWest 5 Year Fixed

    • Cashback Available
    • Initial Rate
      1.03% Fixed to 30/11/2026
    • APRC
      2.70%
    • Product Fee
      £995
    • Monthly Repayment
      £567.35

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

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 09 November 2020.

Flexible Mortgages FAQ

What is a flexible mortgage?

A flexible mortgage is a regular mortgage which offers flexible repayment options. This could include the ability to make overpayments, to take a payment holiday or to move your mortgage to a different property.

Will I pay more for a flexible mortgage?

Flexibility usually comes at a price so you're likely to pay a higher rate for a flexible mortgage depending on what 'flexible' features it comes with.

What are the benefits of flexible mortgages?

Flexible mortgages give you more choice when it comes to your monthly payments. Depending on your mortgage features you will have the option to underpay, overpay, miss a payment or 'port' your mortgage to a new property when you move. Having this freedom can help you to make your mortgage work better for your lifestyle. It also means it is possible to pay off your mortgage sooner than planned.

What are the downsides of flexible mortgages?

Along with paying a higher rate for a flexible mortgage, you should also bear in mind that not all flexible mortgages benefit from all of the flexible features mentioned in this article. Indeed, the term is catch-all and is used to describe any mortgage that features any kind of flexibility. You'll also have to adhere to your lender's individual criteria before accessing the flexible features. For example, some lenders will want you to have been paying your mortgage off for a set amount of time before you can make an underpayment or overpayment.

What fees will I have to pay for a flexible mortgage?

As a flexible mortgage is simply a standard mortgage with additional features, the fees you'll face are the same as with any mortgage, including an arrangement fee, a booking fee, a valuation fee and legal fees - although not all fees apply to all mortgages.

What if I can't make my mortgage payments but I don't have a payment holiday facility?

If you don't have a flexible mortgage but you need to miss a payment or make an underpayment, it's essential you speak to your mortgage lender straight away to find out what help is available to you.

How can I compare flexible mortgages?

You can compare flexible mortgages using NerdWallet's free and easy to use comparison tables.