Flexible Payment Mortgage

What you get

Get flexible - the choice is yours

• Make regular increased repayments or pay one-off lump sums
• Reduce mortgage repayments for a short period
• Take payment holidays for up to 6 months
• Take money back out of your mortgage
• Overall cost for comparison is 7.7% APR
• Free valuation and no legal fees when you switch your mortgage from another lender and use our solicitors and valuation panel
• Normal arrangement fee waived for Residential Re-mortgage applications.

Other mortgages

• Offset Mortgage - save thousands with our Offset Mortgage
• Current Account Mortgage - let your money work harder and smarter for you
• Fixed Rate Mortgages - make budgeting easier
• 2 Year Discounted Lifetime Offset Tracker Mortgage - the mortgage rate that stays attractive
• First Time Buyer Mortgages - helping you towards your first home
• Investment Housing Loan - secure your second property with our Investment Housing Loan
• Business Offset Mortgage - the power of personal and business banking combined
• Spanish Mortgage - enjoy our hassle-free process when buying a property in Spain

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

*Please note that you can only take payment holidays or redraw funds where you have previously overpaid. The minimum period for payment holidays is three months, the maximum period is six months. Payment holidays up to a maximum of six months will be allowed in any one 12 month period. Interest will continue to accrue on the outstanding balance during the payment holiday.  Rescheduling your repayments after making a lump sum reduction or overpayment can affect the availability of funds for redraw or payment holidays.  If you reduce your repayments or take a payment holiday, the amount of your loan will not be reducing as quickly, so you could end up paying more in interest charges over the term of the mortgage.