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. | ||||||