2 year offset mortgages can help you reduce your mortgage payments and to pay your mortgage off faster. By offsetting your savings, you could end up saving more than if they were in a savings account for two years. And, you can still have instant access to your cash if you need it. For example, if you have a £100,000 mortgage and £20,000 of savings, you only pay interest on £80,000 of the loan. To see if there's a 2 year offset mortgage to suit your needs, see the below for our selection of the latest deals: