Flexible Mortgages

There are various types of flexible mortgages available which all provide increased flexibility, when compared to the traditional types of mortgages.

Typically, a flexible mortgage may include some or all of the following features:

The ability to make overpayments (without charges), subject to the lenders agreed limits.
The ability to underpay your mortgage (subject to limits).
The option to take payment holidays
A facility to borrow more money (subject to limits), for lump sum expenditure, i.e. home improvements.
Current account with cheque book and agreed overdraft facility
Credit card with an agreed spending limit
Debit card (subject to limits)

A flexible mortgage can be set up on a fixed, capped, discounted, variable or Bank of England base rate tracker basis.

Note that flexible mortgage facilities may be withdrawn at short notice in some circumstances which may necessitate repayment of any credit facility.

Capital Fortune have provided a list of the ten lowest flexible mortgage rates on our mortgage database.

Why not speak to one of our Mortgage Advisers for advice on capped rate mortgages by calling 0845 3 630 430 or Enquiry Online.

Contact Us

Capital Fortune
City Office

14 Nicholas Lane
London
EC4N 7BN

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

The overall cost for comparison on residential mortgages is 4.5% APR. The actual rate available will depend on your personal circumstances.

There will be a fee for our mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £995, payable £495 at the outset but refunded if your mortgage application is declined upon initial underwriting. The balance of our fee is typically paid on completion. Your fee will not be refunded should you withdraw from the process or not accept our recommendation. Ask your Advisor for confirmation of our fees which we will email to you in an Initial Disclosure Document (IDD). You can find further information on our Terms of Business here.

The Financial Services Authority does not regulate some forms of buy to let, commercial mortgages, secured loans, bridging finance, trusts and conveyancing.

Capital Fortune Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority. Capital FortuneLtd Registered office address: 14 Nicholas Lane, Bank, London, EC4N 7BN. Registered in England and Wales No. 05683249.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Services Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.