If you're looking for 4 year offset mortgages, see our comparison table below and find out if there's one that suits your needs. Offset mortgages can help you reduce your mortgage payments and pay your mortgage off sooner, by using your savings to offset the amount you borrow. As an example, £20,000 of savings with a £100,000 offset mortgage would mean you would only pay interest on £80,000 of your loan. To help you find the right mortgage deal, in the table below you can compare our selection of the latest deals from leading providers – just click on the links to get quotes.