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Flexible Mortgage Comparison Guide

 

Clydesdale Bank Flexible Repayment Mortgage Direct Line Flexible Mortgage Mortgage Shop Recommended Current Account Mortgage Legal & General Flexible Reserve Mortgage Mortgage Express Choices Standard Life Bank Freestyle Mortgage
Underpayments By Agreement Yes After 3 months Yes By Agreement Yes No
Overpayments Yes Yes Yes Yes Yes Yes
Maximum Overpayment No No No No One Monthly Payment No
Minimum Overpayment No No No £50 monthly or £500 lump sum £25 No
Maximum Underpayment By Agreement No No No By Agreement N/A
Minimum Underpayment By Agreement No No No By Agreement N/A
Table Continued Clydesdale Bank Flexible Repayment Mortgage Direct Line Flexible Mortgage Mortgage Shop Recommended Current Account Mortgage Legal & General Flexible Reserve Mortgage Mortgage Express Choices Standard Life Bank Freestyle Mortgage
Payment Holiday Yes Yes After 3 months Yes Yes Yes Yes 2 months per year
Borrow Back Overpayments No Yes After 3 months Yes Yes Min £500 Yes Yes min £1,000
Cheque Book No No Yes No No No
Maximum Loan to Value 95% 90% 95% 95% Depends on Product 90%
Redemption Penalty Yes Yes No No Depends on Product Yes for one year
errors and omissions accepted.