Flexible Mortgage Options For Every Kind of Home – Even Timber Frame or Concrete

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Flexible mortgage options for every kind of home

At Habito, we believe homeownership should be simple, inclusive and built for the future. That means finding a mortgage that suits your life – not the other way around.

Whether you’re eyeing up a charming timber-frame cottage in the countryside or a concrete-built maisonette in the city, flexible mortgage options can help unlock the door to your dream home.

What is a Flexible Mortgage?

A flexible mortgage does exactly what it says on the tin, it gives you wiggle room. That could mean being able to overpay when you’ve had a bonus at work, or underpay when life throws you a curveball.

Some flexible mortgages let you take payment holidays, or dip into any overpayments you’ve made in the past. It’s all about options.

These types of mortgages are ideal if your income isn’t always the same every month, like if you’re self-employed, freelance or working on a mix of contracts. They're also a solid shout if you want more control over how and when you pay your mortgage off.

Got a Non-Standard Home? No Problem

Not all homes are built the same. If you’ve fallen in love with a timber frame home, known for being sustainable, speedy to build and full of rustic charm, you might have heard that getting a mortgage could be trickier.

Same goes for a concrete house, which is often considered “non-standard” construction.

But tricky doesn’t mean impossible.

At Habito, we work with a wide range of lenders, including those who understand that a home’s material doesn’t define its value or charm. Some lenders might ask for a more detailed survey or want to understand the condition of the structure, especially if it’s an older concrete house but we’ll walk you through all of it.

You don’t need to become a building expert overnight. That’s our job.

Why Flexibility Matters More Than Ever

With rising living costs and the property market constantly shifting, having a mortgage that can adapt to your circumstances is a game-changer.

Say you want to take a career break, start a family, or launch your side hustle full-time a flexible mortgage could give you the breathing room to do it without stressing over fixed payments.

And if you’re planning to upgrade your home like adding solar panels, insulation or eco-friendly tech having the ability to overpay or pause payments can help you manage both your mortgage and your renovation budget.

Final Word

Whether you’re buying a timber-frame eco-home, a concrete-built flat, or something in-between, flexible mortgage options offer more control, more choice, and more peace of mind. At Habito, we don’t just help you find a mortgage we help you find the right one for your future.

Need help navigating non-standard builds or looking for a flexible deal that fits around you?

Chat to a mortgage expert – it’s free, friendly and fully tailored to you.

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Habito. HomeOwnership Made Easier.

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Last update: 22nd May 2025

[Disclaimer] This content is intended for general guidance and is not a substitute for personalised mortgage advice.