Flexible Mortgages
The term Flexible Mortgages is used to describe a relatively modern type of mortgage product, that can be obtained from a number of different lenders (banks or building societies). A flexible mortgage is normally characterised by all or a combination of the following features :-
* Daily interest calculations.
* The ability to make unlimited or specified overpayments without penalty.
* The ability to underpay (pay less than full monthly payment) or take payment holidays (have a month off paying your mortgage).
* The ability to draw down money (within pre-specified limits) - giving you instant (or rapid) access to the equity available in your property.
* The ability to Offset savings or current account balance(s) against your mortgage, reducing the amount of capital that you pay interest on. This feature can be used to reduce your monthly payments or to shorten your mortgage term.
Our service introduces you to Independent Mortgage Advice Brokers who can offer you access to the full range of mortgage products available through UK mortgage lenders; fixed, capped, discounted, variable interest rates, Buy-To-Let, Right-To-Buy, Self-Certification, 100% mortgages and Fresh Start for people with a poor credit rating or adverse credit history - to name but a few.
Your adviser will be able to provide you with a "Mortgage Agreement In Principle" - in as little as 24 hours!
All of our partner companies hold independent status - this means that their advisers are not tied to any one lender, and that they will act for you when arranging a mortgage and not the lender. They are only interested in finding the most appropriate mortgage to meet your needs. In fact, with new regulation in the mortgage industry, an adviser must show evidence of their understanding of your needs, and their reasons for selecting their recommended mortgage product for you.
Do you want all the benefits and features of a qualified, professional mortgage adviser who will act for you? Complete the online enquiry form
Thousands of clients have been advised through our introductory service.
The remote mortgage advice service offered by our partner companies is ideal for people who do not want to invite a stranger into their home or attend a face-to-face advice appointment at an advisers office. All advice is given at no obligation. You will be given all the facts and can make an informed decision to accept or decline the advice provided, in a pressure free 'natural' environment. The key to our internet mortgage service is that we only introduce clients to advisers who are independent and who will work for you not for any one lender.
We believe
that regulated service is the best service!
We believe the best assistance comes from a regulated mortgage broker!
Your home may be repossessed if you do not keep up repayments on your mortgage.
1st Direction Mortgages (UK) provides a Mortgage Introducer Service and is a Trading Style of Hello Finance Ltd.
Hello Finance Ltd is an 'introducer' of clients to regulated Independent Mortgage Advice companies and may receive a introductory fee from the mortgage broker for such a service. The content of this website in 'information' on the services that are offered by our partner advice companies. The content of this website must not be taken or used as 'advice' on the type of mortgage that is most suited to your needs. Hello Finance Ltd hold no responsibility for any advice given by our partner companies.
Please read our Terms Of Business for further information.
Registered Office:
Hello Finance Ltd 7 Fidlas Road Llanishen Cardiff CF14 0LW
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