Customers who can commit more to their offset mortgage will generally see the best return in terms of an interest reduction, it is also possible in some cases to link several accounts together save even more.
The savings used for an offset mortgage are generally best used on a long term basis, as withdrawing money from a linked savings account may dramatically increase mortgage interest rates.
It is also worth remembering that the starting interest rates on offset mortgages often tend to be higher than many other types of interest rate deal. So it therefore important ensures that enough capital is placed into a savings account to make this type of mortgage viable.
If you are searching for an appropriate offset mortgage deal, see our comparisons table above.