Our Income Flex mortgages are specifically designed for applicants who have non-standard or irregular income arrangements and are unlikely to be able to meet standard affordability criteria to secure the mortgage they require. This could include individuals seeking higher income multiples, consideration of irregular income patterns, multiple income sources or consideration of the profits of their business.
Our Income Flex mortgages are available for those looking to buy a new home they intend to live in, including first time buyers. They are also available for those looking to remortgage if they have owned the property for at least six months.
These products are not suitable for those who cannot meet our standard credit history criteria, such as those with missed payments or defaults.
As Income Flex mortgages consider non-standard incomes, they have a higher interest rate. This means they are not suitable for applicants who meet the criteria of our standard mortgage products.
IFHF20
Initial interest rate
Fixed until 28/02/30 from date of completion.
6.14% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
95%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.2% APRC representative
IFHF11
Initial interest rate
Fixed for 2 years from date of completion.
6.55% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
95%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.6% APRC representative
IFHD3
Initial interest rate
2.05% discount off the Society's Homeowner Variable Rate for 2 years. Will not go below a floor of 2.25%.
5.49% variable
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.4% APRC representative
IFHD4
Initial interest rate
1.85% discount off the Society's Homeowner Variable Rate for 2 years. Will not go below a floor of 2.25%.
5.69% variable
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.4% APRC representative
IFHD5
Initial interest rate
1.59% discount off the Society's Homeowner Variable Rate for 2 years. Will not go below a floor of 2.25%.
5.95% variable
Max Loan to Value (LTV)
Maximum loan to value available:
95%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.5% APRC representative
IFHF6
Initial interest rate
Fixed for 2 years from date of completion.
6.25% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.5% APRC representative
IFHF7
Initial interest rate
Fixed for 2 years from date of completion.
6.45% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.6% APRC representative
IFHF18
Initial interest rate
Fixed until 28/02/30 from date of completion.
5.79% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
80%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.0% APRC representative
IFHF19
Initial interest rate
Fixed until 28/02/30 from date of completion.
5.99% fixed
Max Loan to Value (LTV)
Maximum loan to value available:
90%
Product Fees
£999 (non-refundable)
Overall Cost for Comparison
The overall cost for comparison
7.1% APRC representative
