Flexible terms for your mortgage loan

If you take a mortgage loan, try to ask for the following flexibility:

* to keep the same monthly repayment, i.e. do not adjust with the interest rate
* to increase the monthly repayment (e.g. to pay more if your earnings increase
* to make partial lump sum repayment
* to make additional withdrawals, so long as it can be covered by the value of your property.