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Flexible, Offset, and One account mortgages are the most popular products for people with some savings and can benefit from offsetting there savings against their borrowings, therefore reducing interest payments.  Realistically you could save several thousand pounds or more, or make it possible to finish your mortgage much earlier. 

We can find a suitable mortgage for you, the benefits can be substantial savings on setting up fees.  For instance we can save all the setting up fees for the One account flexible mortgage offer, which you will have to pay if you go direct.

Our arrangement with the top lenders in this category means that you will always benefit from taking your mortgage product out with us here at flexible one account.

The offset, one account or flexible type product works by taking money from your savings account and offsetting it against the money you owe in your mortgage account, therefore the only interest you pay is from the difference. i.e. if you were to borrow £200,000 but you had money/savings put aside for lets say retirement or children/ grandchildren of £50,000 then your interest payments would be calculated on the outstanding sum, in this case £150,000. (see example)

As well as the obvious advantages, some of the products offer internet banking, we can help work out which is the best for you and best of all you will save money.   Some of the lenders we deal with include, Barclays Open plan mortgage, Intelligent finance, Abbey Flexible Plus, the RBS one account, and the Cheltenham & Gloucester Flexible Mortgage.

Select Mortgages and Loans has over 20 years experience in the loans and mortgage market, and as FSA regulated Mortgage advisers we are in the best position to advise you on the particular right product for your needs.   We provide you with a free, no obligation quotes from the top flexible mortgage providers.  'Flexible Mortgage Broker' provides and then guides you through your options, packages and discounts.

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What is a Flexible Mortgage?
A flexible mortgage allows you the borrower to make extra repayments as extra money becomes available and/or reduces, skip payments should you need to conserve funds for a short while. You will usually have to build up a reserve, probably through overpayments before being allowed to lower or miss payments. Flexible, and offset mortgage accounts allow a new type of apr (annual percentage rate) to be implemented instead of the older method of managing lending rates based on typical apr i.e. annually, the advent of the flexible one account type product allows interest to be calculated daily, this means that even a small percentage of overpayment means you are much better of. Of you were to have your wages paid in each month it means that whilst you were spending them you would be paying less interest on your mortgage until they were spent and then you would have reduced the capital, it gets much better if you can leave a little extra in each month, you could see years being paid off your mortgage term. more information...

What is an Offset Mortgage?
An offset mortgage is exactly that. It is primarily for people on high salaries or that have a reasonable savings account, it allows you to set aside money you have in a savings account and completely offset it against your mortgage account. This has huge tax advantages for people that rent property out , please note that every individual is different and all cases need examining and this illustration simply shows the thinking behind using an offset mortgage for a reason. more information...

What is the One Account Mortgage?
The One account!! Formally from Virgin! This puts all your money in one place - From your Mortgage account, your savings account, your current account, it pay all you direct debits, and bills. Allow online access to all your banking needs, and can dramatically reduce your interest payments, where else can you get a loan at an interest rate the same as your mortgage and be free to top up or reduce as and when you like. Subject to relevant equity in your property. more information...

All loans subject to status. PLEASE THINK CAREFULLY BEFORE SECURING MORE DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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You can run everything through the One Account, this includes your mortgage, your savings, your loans, and your credit card balances. Not forgetting using the one account for all your day to day banking needs too. How does the One account work? By compiling all your accounts into the One account the money you have in your savings and current account reduces what you owe on your mortgage, loans and credit cards each and every day.

Click on the link below to find out more information on the One Account.

	Benefits of using Select Mortgages & Loans • Personal Advice • Comparing other offset or flexible providers products • Sourcing the right product for your needs & wishes

The One Account flexible mortgage option (re-mortgage) offers you:

		No Arrangement Fees

		No Ties

		Offset Capital

		No broker fees

		Make over payments and under payments

		Call For Best Offers

With an Intelligent Finance Mortgage you can buy a new home, switch mortgage to generate some capital or even consolidate debts. With your mortgage, savings and current account in one plan we can help get more from your money. This is called offsetting, read on to find out how you could end up paying much less interest over the term of your mortgage.

Click on the link below to find out more information on Intelligent Finance.

	Benefits of using Select Mortgages & Loans • No Fees • Personal Advice • Comparing other offset or flexible providers products • Sourcing the right product for your needs & wishes

An Intelligent Finance Mortgage offers:

		Loans up to 95% of property value

		Free conveyancing for remortgages

		Offset savings & Offset banking

		Take up to 2 Payment holidays a year

		Interest calculated on daily basis

		Tracker rates for life or fixed terms

The Woolwich Openplan Flexible Mortgage is a new type of mortgage that links to your Current and Savings Accounts. This Offset Mortgage means you could save thousands of pounds and reduce the mortgage term. perhaps your looking for a bigger place or just a better mortgage deal? With the offset tracker you could potentionally reduce the life of your mortgage by up to 9 years.

Click on the link below to find out more information on Woolwich mortgages.

	Benefits of using Select Mortgages & Loans • No Fees • Personal Advice • Comparing other offset or flexible providers products • Sourcing the right product for your needs & wishes

A Woolwich Openplan flexible Mortgage offers:

		Option to borrow up to 95% of property value

		Payment holiday when you need a break

		Offset savings & Current Account

		Special offers for re-mortgages

		Interest calculated daily

		No tie in as all tracker rates are for life