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Flexible Mortgage

The flexibility you need to deal with life’s changes

Life can be uncertain. So it's a good idea to prepare for any changes you might have to face in the future. And choosing the right mortgage could be the start.

Our Flexible Mortgage allows you to borrow up to 90% of the purchase price or valuation of your property – whichever is lower.

Every application is looked at individually by our staff – rather than sticking to a strict formula. And our additional mortgage borrowing and offset facilities offer an affordable and accessible way of managing your finances.


  • Borrow up to 90% – you can borrow up to 90% of the purchase price or valuation of your property, whichever is lower (85% for remortgages).
  • Offset facility – use your savings to help you save money on your mortgage. You can choose to benefit from either reducing the term of your mortgage, or reducing your monthly mortgage payment. Offset is available at no additional cost.
  • Additional Mortgage Borrowing – if your main mortgage is less than the agreed maximum amount you could borrow, you can apply for a Further Advance once you've had your mortgage with us for six months.
  • Remortgage packages –our remortgage package offers a free valuation, and free legals or £300 cashback on completion. Restrictions apply, see In detail for more information.

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

In detail will give you more in-depth information about our Flexible Mortgage including how much you could borrow and the repayment methods available.