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Whether you're buying a new house or just moving your mortgage, a Direct Line Flexible Mortgage could save you thousands of pounds. The benefits include:

• A range of flexible features that help you manage your mortgage to suit your life and freedom to vary monthly repayments.
• Paying more when you can afford to could mean you pay your mortgage off early and save thousands of pounds in interest
• Or when money is short, you can pay a little less each month or even stop your payments altogether for a while.
• If you are a first time buyer or want a ‘no deposit’ mortgage, you can borrow up to 100% of the value of your property or the purchase price (whichever is lower)
• With competitive low introductory interest rates it's easier to pay off more of your mortgage every month and settle your loan early
• Interest is calculated daily which means you only pay interest on the money you owe
• Direct Line will refund your valuation fee and if you're remortgaging, also pay your legal fees
• If you have enough equity in your home and you can afford the new mortgage repayment, you can borrow back some of that equity for other purchases
• There's no mortgage indemnity guarantee
• There are no complicated forms to fill in - Direct Line will complete all the necessary paperwork on your behalf

Direct Line has a proven track record of offering sustainable competitive rates to their customers. This was recognised by Money Facts who awarded Direct Line the accolade of best value mortgage provider in 1998, 1999, 2000 and 2001. What Mortgage Magazine also named them as the top direct mortgage lender over 5 years, both in 2000 and 2001.

Borrowing amounts

You wont be allowed to borrow more than you can comfortably afford to repay. The amount Direct Line are prepared to lend will depend on your own individual circumstances. Direct Line offer flexible mortgages ranging from £25,001 and these are available for people borrowing up to 100% of the value or purchase price of their property (whichever is lower). The term of the loan can range from 3 to 35 years and remember, with Flexible Mortgage and regular overpayments, you could cut years off your mortgage and save thousands in interest!

Repayments

Repayments are made monthly by Direct Debit on the date chosen by you with a full statement sent out every September. Your repayment amount stays the same for the year once they have been set in September, unless you decide to take advantage of their flexible features.

You can take out a Direct Line mortgage if you’re remortgaging or buying a home.