{"id":172087,"date":"2019-03-07T11:46:01","date_gmt":"2019-03-07T11:46:01","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=172087"},"modified":"2026-05-11T05:26:34","modified_gmt":"2026-05-11T04:26:34","slug":"short-term-mortgages","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/mortgages\/property-flipping\/short-term-mortgages","title":{"rendered":"Short term mortgages: Discover if they are the right option"},"content":{"rendered":"<article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.<\/div><\/article><p>A short term mortgage is a great idea \u2013 if you can afford it. You&#8217;ll pay a lot less interest and will be able to become mortgage-free quicker. The main disadvantage is that the monthly repayments will be a lot higher.<\/p><p>Realistically, you&#8217;ll only be able to afford the repayments on a short term mortgage with a small <a href=\"https:\/\/www.finder.com\/uk\/mortgages\/how-to-calculate-your-ltv\">loan-to-value ratio<\/a>. Many of those opting for short term deals will have either saved a huge deposit or are selling a home they&#8217;ve built a lot of equity in.<\/p><p><span><\/span><\/p><h3 id=\"how_to_find_the_best_short_term_mortgage_deal\">How to find the best short term mortgage deal<\/h3><p>Most mortgage lenders have a minimum term (usually between three and five years) and a minimum borrowing amount on their traditional mortgage products. If these terms aren&#8217;t suitable, explore lenders that specialise in short term deals.<\/p><p>As with any mortgage product, the lender&#8217;s biggest priority is that you can comfortably afford the monthly repayments. You may want to use a professional mortgage advisor to find the most suitable deal for your needs. These individuals have specialist knowledge of the mortgage market and will be able to point you towards the most affordable deals that suit your circumstances.<\/p><h3 id=\"alternatives_to_short_term_mortgages\">Alternatives to short term mortgages<\/h3><p>If you can&#8217;t find a suitable short term mortgage, consider these alternatives:<\/p><ul><li><strong><a href=\"https:\/\/www.finder.com\/uk\/personal-loans\">Personal loans<\/a>.<\/strong> It&#8217;s possible to secure a personal loan against a property. However, the maximum amount on these products tends to be too small to finance most property purchases.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/property-flipping\/bridging-loans\">Bridging loans<\/a>.<\/strong> Bridging loans are quicker to organise than mortgages and can be secured against uninhabitable properties, but they have huge interest rates. They are typically used to finance purchases that buyers are looking to sell quickly at a profit. This process is called &#8220;flipping&#8221;.<\/li><li><strong><a href=\"https:\/\/www.finder.com\/uk\/mortgages\/property-flipping\/buy-to-sell-mortgages\">Buy-to-sell mortgages<\/a>.<\/strong> This is a product for those looking to &#8220;flip&#8221; properties.<\/li><\/ul><h3 id=\"summary_what_are_the_pros_and_cons_of_short_term_mortgages\">Summary: What are the pros and cons of short term mortgages?<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Cheaper than a long term mortgage.<\/li>\n                                    <li>Lower interest rates than a bridging loan.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Bigger monthly repayments than a long term mortgage.<\/li>\n                                    <li>There are more terms to meet than for a bridging loan.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<style type=\"text\/css\">\n    .survey-response {\n        overflow-x: auto;\n        max-width: 800px;\n    }\n\n    .survey-response .luna-table th,\n    .survey-response .luna-table td {\n        padding: 0.3rem 1rem calc(0.20rem + 1px);\n        font-size: 12px;\n        color: rgb(117, 117, 117);\n        text-align: left;\n    }\n\n    .survey-response .luna-table {\n        border: none;\n    }\n\n    .survey-response .row-color-icon {\n        width: 10px;\n        height: 10px;\n        display: inline-block;\n        margin-right: 4px;\n        border-radius: 2px;\n    }\n\n    .survey-response .source-container {\n        top: -12px !important;\n        position: relative;\n    }\n\n    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      justify-content: space-between;\n            margin-right: auto;\n        }\n\n        .u-grid__col.chart-container {\n            margin-left: 0 !important;\n            margin-right: 0 !important;\n        }\n    }\n\n    .survey-response .table-container {\n        overflow-x: auto;\n        max-width: 800px;\n        display: block;\n    }\n\n    @media screen and (max-width: 959px) {\n        .survey-response .table-container {\n            display: block;\n        }\n\n        .source-container {\n            margin-left: 2rem;\n            margin-right: 2rem;\n        }\n    }\n\n<\/style><h4>Finder survey: Is it better to get on the property ladder when you can, or wait until you&#039;ve got a larger deposit?<\/h4><div id=\"scale-surveys-10011-4214\" class=\"survey-response u-grid u-grid--gutterLarge\"><div id=\"view---noslice-\" class=\"u-grid__col u-1\/2@s u-1\/1 aligncenter size-full chart-container\"><\/div><style>\n\t\t\t#scale-surveys-10011-4214 text,\n\t\t\t#scale-surveys-10011-4214 svg text,\n\t\t\t#view---noslice- text,\n\t\t\t#view---noslice- svg text {\n\t\t\t\tfont-family: 'Modern Era', sans-serif !important;\n\t\t\t}\n\t\t<\/style><script type=\"text\/javascript\">\n\t\t\t\t(function() {\n\n\t\t\t\t\tvar packageToLoad = 'corechart';\n\t\t\t\t\tvar eventName = 'GoogleChartsLoaded-' + packageToLoad;\n\t\t\t\t\tvar event = new Event(eventName);\n\n\t\t\t\t\tdocument.addEventListener(eventName, function() {\n\t\t\t\t\tconsole.log('called event!', eventName);\n\n\t\t\t\t\tfunction drawChart() {\n\t\t\t\t\t\tvar chartType = 'pie';\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tvar data = google.visualization.arrayToDataTable([\n\t\t\t\t\t\t\t['Response', ''],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Both equally', 32.85],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Wait until you can put down a bigger deposit', 23.84],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Not sure', 21.9],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t['Get on the property ladder (with a lower deposit)', 21.41],\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t]);\n\t\t\t\t\t\t\n\t\t\t\t\t\tvar options = {\n\t\t\t\t\t\t\tlegend: {\n\t\t\t\t\t\t\t\tposition: 'none'\n\t\t\t\t\t\t\t},\n\t\t\t\t\t\t\tcolors: ['#1D53FF', '#00B2FF', '#FFD23B', '#C3F53C', '#B469FF', '#FF73A9', '#1DD751', '#DB2420', '#E5F7FF', '#FFF9E5', '#EEF5DC', '#F2E5FF', '#FFE5EF']\n\t\t\t\t\t\t};\n\n\t\t\t\t\t\tvar chart;\n\t\t\t\t\t\t\t\t\t\t\t\tchart = new google.visualization.PieChart(document.getElementById('view---noslice-'));\n\t\t\t\t\t\t\/\/ Pie chart specific options can go here\n\t\t\t\t\t\toptions.chartArea = {width:'100%',height:'100%'};\n\t\t\t\t\t\t\n\t\t\t\t\t\tchart.draw(data, (chartType == 'pie') ? options : google.charts.Bar.convertOptions(options));\n\t\t\t\t\t}\n\t\t\t\t\t\tdrawChart();\n\t\t\t\t\t});\n\n\t\t\t\t\tfunction init() {\n\t\t\t\t\t\tconsole.log('calling init', eventName);\n\t\t\t\t\t\tif (typeof google !== 'undefined' && google.charts) {\n\t\t\t\t\t\t\tconsole.log('found charts', google, packageToLoad);\n\t\t\t\t\t\t\tgoogle.charts.load('current', {'packages':[packageToLoad]});\n\t\t\t\t\t\t\tgoogle.charts.setOnLoadCallback(function() {\n\t\t\t\t\t\t\t\tdocument.dispatchEvent(event);\n\t\t\t\t\t\t\t});\n\t\t\t\t\t\t} else {\n\t\t\t\t\t\t\tconsole.log('retrying');\n\t\t\t\t\t\t\tsetTimeout(init, 100);\n\t\t\t\t\t\t}\n\t\t\t\t\t}\n\t\t\t\t\tinit();\n\t\t\t\t})()\n\t\t\t<\/script><div class=\"u-grid__col u-1\/2@s  u-1\/1 aligncenter size-full border-fix table-container\"><table class=\"luna-table js-tablesorter tablesorter tablesorter-default\" role=\"grid\"><thead class=\"luna-table__header\"><tr><th>Response<\/th><th><\/th><\/tr><\/thead><tbody class=\"luna-table__body\" aria-live=\"polite\" aria-relevant=\"all\"><tr><td><span class=\"row-color-icon\" style=\"background-color: #1D53FF;\"><\/span> Both equally<\/td><td>32.85%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #00B2FF;\"><\/span> Wait until you can put down a bigger deposit<\/td><td>23.84%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #FFD23B;\"><\/span> Not sure<\/td><td>21.9%<\/td><\/tr><tr><td><span class=\"row-color-icon\" style=\"background-color: #C3F53C;\"><\/span> Get on the property ladder (with a lower deposit)<\/td><td>21.41%<\/td><\/tr><\/tbody><\/table><\/div><div class=\"u-grid__col u-1\/1 source-container\"><span class=\"source\">Source: Finder survey by Censuswide of  Brits, December 2023<\/span><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">Our \u201cBest for\u201d picks highlight top options in specific categories based on our independent evaluation (see our <a href=\"https:\/\/www.finder.com\/uk\/finder-score\">full methodology<\/a>), while \u201cPromoted\u201d tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Discover if a short term mortgage is a right option for you depending on your circumstances.<\/p>\n","protected":false},"author":645,"featured_media":155575,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Short term mortgages","_yoast_wpseo_title":"Short term mortgages: Discover if they are the right option | Finder UK","_yoast_wpseo_metadesc":"Discover how short term mortgages work, whether they're right for you and what the alternatives 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09:08:54\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide with Finder survey data.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[128994],"tags":[],"asset_tag":[],"class_list":["post-172087","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-property-flipping"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Short term mortgages: Discover if they are the right option | Finder UK<\/title>\n<meta name=\"description\" content=\"Discover how short term mortgages work, whether they&#039;re right for you and what the alternatives are.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/mortgages\/property-flipping\/short-term-mortgages\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Short term mortgages: Discover if they are the right option\" \/>\n<meta property=\"og:description\" content=\"Discover how short term mortgages work, whether they&#039;re right for you and what the alternatives are.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/mortgages\/property-flipping\/short-term-mortgages\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-03-07T11:46:01+00:00\" \/>\n<meta property=\"og:image\" 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month more than 2 million unique visitors turn to Finder to save money and time, and to make important life choices. 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