Flexible Mortgage

Flexible Mortgage

Compare Flexible Mortgages

Post Office Mortgage – 2 Year 60% LTV

Post Office – 2 Year Fixed Deal

  • Initial Rate – 1.50%
  • 60% Loan To Value (LTV)
  • 2 Year Fixed

Overall cost for comparison 4.3% APRC

Click HERE for more information

Mortgages
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.21%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
“Market Leading 2 Year Fixed Rate”
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.25%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.27%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

More info

Call Post Office FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.41%
Reverts to 4.24%
Max LTV
80%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.63%
Reverts to 4.24%
Max LTV
85%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.70%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.78%
Reverts to 4.74%
Max LTV
60%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£400 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.94%
Reverts to 4.74%
Max LTV
75%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.75%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.96%
Reverts to 4.74%
Max LTV
70%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.55%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.65%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.68%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

More info

Call Post Office FREE on 0808 178 6813
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.56%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.54%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

More info

Call Post Office FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.97%
Reverts to 4.24%
Max LTV
80%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.90%
Reverts to 4.74%
Max LTV
75%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£400 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.35%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 2.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.75%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Type
Tracker
Initial Term
2 Years
Initial Interest Rate
1.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Tracker
Initial Term
2 Years
Initial Interest Rate
1.32%
Reverts to 4.24%
Max LTV
70%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Tracker
Initial Term
2 Years
Initial Interest Rate
1.32%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Lifetime Tracker
Initial Term
Term of Mortgage
Interest Rate
4.74%
Max LTV
90%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Lifetime Tracker
Initial Term
Term of Mortgage
Interest Rate
4.74%
Max LTV
95%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
2.25%
Reverts to 4.99%
Max LTV
90%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 – £500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
2.49%
Reverts to 4.74%
Max LTV
90%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed First Time Buyer
Initial Term
2 Years
Initial Interest Rate
2.91%
Reverts to 4.24%
Max LTV
90%
Product Fee
No

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed First Time Buyer
Initial Term
2 Years
Initial Interest Rate
2.91%
Reverts to 4.24%
Max LTV
90%
Product Fee
No

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
3.08%
Reverts to 4.24%
Max LTV
95%
Product Fee
No

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
3.19%
Reverts to 4.99%
Max LTV
95%
Product Fee
No

More info

Call Virgin Money FREE on 0330 057 1595
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
3.11%
Reverts to 4.74%
Max LTV
95%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
3.25%
Reverts to 4.99%
Max LTV
90%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.22%
Reverts to 4.99%
Max LTV
95%
Product Fee
No

More info

Call Virgin Money FREE on 0330 057 1595
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.41%
Reverts to 4.74%
Max LTV
95%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£1,000 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
3.45%
Reverts to 4.99%
Max LTV
90%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
4.38%
Reverts to 4.99%
Max LTV
95%
Product Fee
No

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
4.58%
Reverts to 4.99%
Max LTV
95%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.34%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.34%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.37%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.59%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.66%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.66%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.56%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.70%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.78%
Reverts to 4.74%
Max LTV
60%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£400 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.94%
Reverts to 4.74%
Max LTV
75%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.90%
Reverts to 4.74%
Max LTV
75%
Product Fee
No

More info

Call Post Office FREE on 0808 178 6813
£400 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
2.02%
Reverts to 4.24%
Max LTV
90%
Product Fee
Yes

More info

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.35%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 2.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.75%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

More info

Call Virgin Money FREE on 0330 057 1595
£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Get mortgage quotes

There are also several different types of mortgage agreement that may have flexible options included, such as offset mortgages and a variety of other interest rate deals.

These types of mortgages may ideally allow customers to:

  • Make underpayments if they are a short of money at the end of the month
  • Take payment holidays from their monthly mortgage repayments
  • Make overpayments if they have received a bonus or commission at work

If you are self employed or rely on an irregular source of income a flexible mortgage deal may be for you, as your lender may allow you to make underpayments and overpayments depending on your income for the period. Although a flexible mortgage deal does have its benefits, there are a number of factors to watch out for before committing to an offer.

  • There are a limited number of flexible mortgages out there as they are a relatively new financial product, therefore you may not be able compare as many mortgages as you need to in order to get the best deal.
  • Your interest rate may be set higher if you have an irregular income, as your lender may see you as a bigger financial risk.
  • As is also the case with any type of mortgage or similar financial product, these agreements require a great deal of long term responsibility and commitment
  • Some mortgage lenders may restrict the level of underpayments and over-payments you make, and you should carefully consider the terms of an agreement before committing to it

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