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After shopping for a mortgage for a short time you will have discovered that finding the best mortgage is a bit of a balancing act, you want a low rate but you also want flexibility and they never go together. A low rate mortgage will be loaded with fees, limitations and nasty clauses while a flexible mortgage that offers breaks and reduced fees will invariably have a much higher rate. So can you have both? Where can you go to find low rate flexible mortgages, deals that will work with all the changes in your life but will not break the bank? Or is this just too much to ask? Are low rate flexible mortgages just a mortgage white whale?

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