3 year offset mortgages put your savings to good use, without locking them away. You could reduce your mortgage payments, and pay the mortgage off sooner by offsetting your savings against the amount you borrow - so, for instance, if you have £20,000 of savings and take out a £100,000 mortgage, you will only have to pay interest of £80,000. We've brought together our selection of the latest offset mortgages to make it easier for you to find the right one – see below and compare deals to see if there's a 3 year offset mortgage to suit you.