Offset Mortgage Providers

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

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1.41%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 are looking to invest in a new mortgage, it is advisable to consider a number of different types of mortgage before deciding which could be the most suitable for you.

One type of mortgage that you might like to think about is an offset mortgage. An offset mortgage could be particularly beneficial to people who have funds in a savings account that they would like to put towards their mortgage.

There are several different offset mortgage providers who might be able to offer you competitive deals. It could therefore be a good idea to contact a number of these offset mortgage providers for quotes to see which might offer the best deal for you.

In the mortgage comparison tables below are the details of several different offset mortgage providers and some products that they have on offer; which should be useful as you search for an offset mortgage deal:

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 from a provider would generally work:


  • Your mortgage would be linked to a savings account; you may also have the opportunity to link your current account or even a credit card or personal loan
  • Rather than earning interest on any savings, your credit balance would offset your mortgage so that the interest rate you pay on your mortgage loan would be reduced
  • For example, if you owed £175,000 on your mortgage and had £25,000 in savings, you would only pay interest on £150,000 of your loan.

Offset mortgage providers may be prepared to offer you a range of attractive introductory deals with their product; it could therefore be vital that you research a number of different providers before deciding on a product.

A mortgage calculator could be helpful to you to work out the potential costs of an offset mortgage and to see whether it might be a financially viable option for you.

Taking the time to use a number of different consumer tools, such as mortgage calculator or our comparison tables, could really be beneficial in finding the best offset mortgage deal for you.


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