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Flex Mortgage Range

Products with a rolled-up fixed rate of interest

The Flex Mortgage Range is designed for:

* Subject to CCA exemptions

How It Works

There are no monthly payments.

Instead, at redemption clients will repay the initial loan plus all rolled-up interest calculated using the applicable fixed rate.

All fixed rates are calculated on a case by case basis and will be dependent on a range of factors, such as term and LTV.

Product Overview

  Flex 24 Flex 12 Flex 6
Max LTV with Lender (1) 2 year term - 65% LTV
3 year term - 60% LTV
4 year term - 55% LTV
5 year term - 50% LTV
65% LTV 65% LTV
Max Combined LTV Commonly 77% LTV (2)
Loan Term 2 to 5 Years 2 Years only 2 Years only
ERCs 24 Months
12 Months
6 Months Only
Arrangement Fee 2%
Age Limits Minimum: 21
Maximum: None
Min Loan Size £15,000
Subject to a minimum of 10% LTV
Min Property Value £50,000 for BTL properties
£250,000 for Owner Occupied properties
Charge 1st charge and 2nd charge on BTL
2nd charge only on Owner Occupied properties
Rates From 6.89% 7.89% 9.39%


There are no monthly payments. A fixed rate of interest is set at the outset of the loan. All interest, when compounded monthly, is added to the principal balance. This new principal balance is then used to calculate the next instalment of interest when it is due. At maturity of the loan (or earlier if the borrower wishes), the original principal plus all the accumulated interest and capitalised interest is repayable in a single redemption payment.

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Equity Share Mortgages
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