Flexible Mortgages

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Wouldn't you love the flexibility to:

Take a payment holiday
Pay more when you can afford to
Borrow at your mortgage rate
Save money by linking finances
Offset savings against debt

. . . and do it all effortlessly?

Flexible mortgages are increasingly popular. Many lenders now include one or more flexible offerings in their portfolio.

Some flexible mortgages allow you to vary payments within certain limits, so, for example, you could choose to take a payment "holiday" once or twice a year - many people choose to miss a payment around Christmastime. You are able to pay extra when you can afford to, which can help to reduce the principal owing and therefore the amount of interest to be paid.

There are even more flexible and sophisticated schemes which can allow you to integrate much of your personal finances and save a lot of money.

Offset Mortgages

"Offset" schemes link the balance of savings and current accounts to the amount owing on the mortgage - meaning that you're only charged interest on the difference between the two. You don't get interest on the credit balances while they are offset, but since the interest earned on savings is less than that paid on mortgage borrowings, the potential savings run into thousands of pounds.

Another advantage is the option to borrow more money at the mortgage rate - for example, for home improvements. This is much cheaper than personal loans or credit cards.

Choose Carefully

But flexible schemes aren't all the same. You need to choose carefully. To discuss flexible mortgages and find out which would be best for you fill out our quick enquiry form below.

By working closely with FM2 Ltd , creditmarket.co.uk has access to a wide variety of mortgage solutions for first time buyers, even if you have had difficulty obtaining credit in the past.
With access to a mortgage database containing over 50,000 products including the majority of known high-street lenders FM2 Ltd are able to quickly find a product to suit your individual requirements.

If you have time, click here to fill out a: mortgage enquiry form (takes 5 mins) and we'll call you with an idea of products that fit your requirements. There is no obligation to accept anything but FM2 will try to find you a mortgage that you are happy with.

If you don't have time now, fill out the quick enquiry form below and we'll give you a call when it's convenient:

I'm interested in a mortgage >>	My name is:
My enquiry is to do with:
My email address is:
My phone number is:
I'm available for a chat:
We'll appoint you your own dedicated advisor to help you every step of the way.

When you contact us, you will be assigned one named advisor who will stay with you throughout the whole process. We won't pass you around a call centre full of anonymous voices who don't know you or understand the situation.

Most companies charge a fee for arranging a mortgage and if you want to find out how much you are going to be charged you should always ask in advance. FM2 may charge you a fee for arranging a mortgage and a representative fee is £395.

The overall cost for comparison is 7.1% APR. The actual rate available will depend on your circumstances.

Creditmarket Ltd is registered with the data protection act and licensed under the Consumer Credit Act 1974 - license number 583674. This means Creditmarket Ltd is bound by the law to handle your information in the strictest confidence.