Flexible Mortgage

Flexible Mortgage

Compare Flexible Mortgages

2 Year Fixed Mortgage – 60% LTV

2 Year Fixed Deal

Initial Rate – 1.17%
Maximum 60% Loan To Value (LTV)
2 Year Fixed Rate
£250 CASHBACK
Product Fee – £995

Call NatWest FREE on 0800 158 2934

Or Click HERE to apply online

Rep example: A mortgage of £156,000 payable over 22 years initially on a fixed rate for 2 years at 1.21% and then our variable rate of 4.24% for the remaining 20 years would require 24 monthly payments of £673.34 and 240 monthly payments of £887.65.

The total amount payable would be £230,379.74 made up of the loan amount of £ 156,000 plus interest of £74,379.74. A product fee of £995, valuation fee of £352 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 3.8% APRC representative

Applies to Home Movers only, excludes First-time Buyers. Cashback will be paid to the solicitor on drawdown of the mortgage, offer can be changed or withdrawn at any time. Early repayment charge applies until 31.03.2022

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

Type

Fixed

Initial Term

2 Years

Initial Interest Rate

1.17%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

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

1.24%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

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

1.41%
Reverts to 3.59%

Max LTV

80%

Product Fee

Yes

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

1.49%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

1.70%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

3 Years

Initial Interest Rate

1.69%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

3 Years

Initial Interest Rate

1.75%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

1.41%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

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

1.60%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

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

1.47%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

5 Years

Initial Interest Rate

1.69%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

5 Years

Initial Interest Rate

1.77%
Reverts to 3.59%

Max LTV

80%

Product Fee

Yes

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

10 Years

Initial Interest Rate

2.12%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.80% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

15 Years

Initial Interest Rate

2.35%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.70% APRC. This is the cost of the mortgage over the full term.

There are no tables for this criteria

Breakdown Policy

European Breakdown Cover

Personal Cover From

£7
per day

Roadside Assistance

Unlimited

Continuing Journey Cover

up to £1,500

AA European Breakdown Insurance

Choose European Breakdown Cover for complete roadside reassurance. Unique access to over 40,000 trusted partners – including garages, repairers and recovery operators – in 44 countries across Europe

More information on this product

Full cover includes:
Unlimited overall claim limit (per trip with annual cover)
Full roadside assistance
Up to £1,500 for alternative travel and up to £500 for emergency hotel costs
We’ll help you reach your destination or get you and your car back home
Hire car before, during and after your trip to keep you on the move

Must be over 18
Must be UK resident
AA Members get 10% off
Option to add Parts and Labour to your policy
24/7 English-speaking helpline and team of multilingual operators
Cover for vehicles of any age

Type

Fixed Remortgage

Initial Term

2 Years

Initial Interest Rate

1.17%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

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

1.17%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

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

1.25%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

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

1.42%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

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

1.50%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

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

1.50%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

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

1.49%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

1.47%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

5 Years

Initial Interest Rate

1.69%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

2 Years

Initial Interest Rate

1.70%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

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

10 Years

Initial Interest Rate

2.12%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.80% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

15 Years

Initial Interest Rate

2.35%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.70% 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

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