Flexible Mortgages

- Overpayments; to reduce your monthly payment or the term of your mortgage
- Underpayments; providing you have make sufficient overpayments you can reduce your   monthly payments if you require.
- Payment holidays; providing you have made sufficient overpayments you can apply for a   payment holiday
- Offset; link your savings or current account to your mortgage account.  Any credit   balances in these accounts will be offset against the balance on your mortgage thus   reducing the amount of interest you have to pay.
- Borrow back; Borrow back any overpayments you have made or even set a lending limit   that you can access at any point without having to complete a new application.