If you are financially disciplined, a current account mortgage could be best. Current account mortgages work by essentially turning your mortgage into a very large overdraft which allows you to offset your savings against your debts. The best current account mortgages can be found from a number of providers and the benefits include:
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The ability to combine all your debts with all of your income in a single current account
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Tax free savings on the reduced interest you pay
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You can overpay and underpay without being penalised for it
You still need to pay off the loan in a specified amount of time as with a repayment mortgage or by using an ISA or separate investment to repay the capital at a later date, whichever suits you best. Current account mortgages are not really a good option for those who have little in the way of savings or non-mortgage debt.