Offset Mortgage in Northern Ireland

Latest Deal - NatWest 2 Year FIXED »

Call FREE - 0800 158 2934 

1.32%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 60% LTV Deal
  • Call FREE - 0800 158 2934


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

An offset mortgage is a type of mortgage that is linked to your savings account. For many people, an offset mortgage could be particularly beneficial in that they could pay significantly less interest than on a standard mortgage.


There are many different banks and building societies that could offer offset mortgages in Northern Ireland. If you are interested in finding the best possible deal on an offset mortgage, then it would be advisable that you take some time to compare a number of the different deals currently on the market. 


Many people are attracted to offset mortgages for their flexibility. An offset mortgage will generally allow you to make over- or underpayments, take payment breaks or withdraw some of your capital if you need it. For many people, having an offset mortgage would allow them to pay off their mortgage ahead of schedule without being penalised.


Please see our mortgage comparison tables below, which could help you in your search for offset mortgages deals in Northern Ireland:

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.

Here is a brief overview of how an offset mortgage usually works:

 

  • Your mortgage would be linked to your savings account
  • You will sometimes have the opportunity to also link current accounts, loans and credit cards
  • Rather than earning interest on credit balances, your interest payable on debit balances would be lower
  • For example, a customer with £25,000 in savings and a £150,000 mortgage would only pay interest on £125,000 of your mortgage loan.


As the offset mortgage market is fairly competitive, many lenders could be willing to offer new customers special introductory deals.  However, it is important that you check the terms and conditions that apply to such deals, as it is sometimes the case that these offers may not be available on offset mortgages in Northern Ireland.


You can take advantage of this market competition and get yourself a great offset mortgage deal in Northern Ireland today with the help of the product comparison table above. 

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