As lifestyles and work patterns have become less predictable over recent years, borrowers have increasingly looked towards flexible loan agreements that bend to them rather than dictate to them. Flexible loans which include payment holidays or 'breaks' can be ideal for people who are self-employed or whose earnings are more heavily based on commission payments and have varying patterns of income throughout the year. They are also favoured by those who might want to take a career break, start a family, shoot off around the world or . More »