Northern Rock Offset Mortgages

Latest Deal - NatWest 2 Year FIXED »

Call FREE - 0800 158 2934 

1.57%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 60% LTV Deal
  • Call FREE - 0800 158 2934

Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Formed in 1997, Northern Rock is now part of Virgin Money.  As a financial services provider, the company offers a variety of different financial products and services to customers, and also provides customers with insurance, loans and savings accounts.


If you are searching for a suitable offset mortgage agreement, use our FREE online mortgage calculator below to compare some of the latest offset mortgage deals:


About you
Your income
Partner income
Income = £57,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £120,000
Your loan to value (LTV) = 72%
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.

If for example, a customers has £40’000 of savings to put towards their mortgage of £200’000, a northern rock offset mortgage may allow them to reduce their interest repayments by a considerable amount.


However, it is also important to remember that withdrawing money from these linked account may dramatically increase the cost of interest repayments, depending on the circumstances.


Although any capital that is used in a linked account will not gain interest, customers will not be expected to pay any income tax on these savings, which could save them a significant amount of money in the right circumstances.


There are also several variations of offset mortgages that be of use to customers, such as:

  • A tracker offset mortgage
  • A variable offset mortgage
  • A fixed rate offset 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