First Time Buyer Offset Mortgages

Find best offset mortgages

Latest Deal - NatWest 2 Year Fixed Rate »

Call FREE - 0800 158 2934 

3.69%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 95% LTV Deal (5% Deposit Required)
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare latest offset mortgages - use our mortgage tables below to see a selection of market leading mortgage deals - alternatively if you need advice - call our independent mortgage team on 0117 332 6063.

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

2.59%

Reverts to 4.70%

2

Years

80%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products are a selection of deals 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 contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Help To Buy Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

3.69%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

3.69%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

3.89%

Reverts to 4.24%

2

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

3.99%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed

3.99%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.15%

Reverts to 4.24%

3

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 4.00%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 3.75%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.28%

Reverts to 4.24%

5

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above help to buy mortgage products are a selection of deals 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 contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Compare First Time Buyer Mortgages

If you've got some savings but you don't want to put it all towards your first mortgage deposit, you could still reduce your interest rate with an offset mortgage. An offset mortgage deal will involve your mortgage lender will link your mortgage loan to your savings account, current account or credit card while keeping them separate to reduce your debt and the interest owed on your loan. For example, if you have £100,000 mortgage and £30,000 savings, you only have to pay interest on £70,000 of the loan.


This type of mortgage is flexible in the way that you can:

 

  • Make overpayments – allow you to pay off your debt in a shorter amount of time than other mortgage deals
  • Make underpayments – at times when your savings have been reduced you may pay less than the previous month
  • Take payment holidays – in times of need, for example, maternity and paternity leave you may be allowed time off from repaying your mortgage loan.


As a first time buyer, taking out a mortgage loan can be a stressful and daunting prospect but it is important that you find the right mortgage deal for you. An offset mortgage could be the best type of mortgage deal for you if you are:

 

  • A higher rate taxpayer
  • Have to pay school fees
  • Have a high level of savings
  • Have buy to let properties
  • Have an irregular income and rely on commission and bonuses


You may wish to utilise our product comparison tables to compare other types of mortgage deals and their various lenders.

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Call 0117 332 6063

to speak to the Fair Mortgages team.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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