Best Offset Mortgages

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.19%Reverts to 3.75% after 2 years

Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

If you need to take out a loan on a property, you may wish to consider an offset mortgage deal, as your savings can be used to reduce the amount of interest you pay overall during the term of your mortgage.


Using this agreement, customers can pay less interest and tax in the right circumstances, and may also be able to make considerable overpayments that could save them a great deal of money before the end of their agreed term. If you are a high rate taxpayer, this type of interest rate mortgage deal could be beneficial in a variety of ways:

  • You could save money by using the savings you already have.
  • There may be a number of flexible features, including overpayments, underpayments and optional payment holidays.
  • If you rely on commission and bonuses for income, you may be able to make lump sum payments to reduce your mortgage.


It is important to consider a variety of mortgage deals before agreeing to a lender’s proposal. Take a look at our mortgage comparison tables to see which offset mortgage is best for you:

About you
Your income
Partner income
Income = £95,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £160,000
Your loan to value (LTV) = 51%
Your mortgage
Mortgage Type
Payment Method
Payment Term

No mortgages were found which match these requirements. Please use the search form above to find mortgages which suit your precise requirements.

The best offset mortgage providers may also sell these deals in a number of different formats:

  • A fixed rate offset mortgage is a type of interest rate deal which has a fixed rate that is set by the lender according to Bank of England base rates. As soon as the term ends the interest rate changes to the lender’s standard variable rate.
  • A tracker offset mortgage is a type of interest rate deal in which the interest rate traces Bank of England base rates and as such, the rate could rise or fall.
  • A standard variable rate mortgage is a type of interest rate deal in which the interest rate is set by the lender who usually considers the Bank of England base rate when deciding the level of interest.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker