One Account Offset Mortgages

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.

Although offset mortgages from One Account are no longer available, there are many other banks and building societies that could also offer you an offset mortgage deal.  It could therefore be a good idea to compare offset mortgages from a number of different providers to make sure that you are getting the best available deal.

As you shop around for comparisons on offset mortgages, you may like to use the FREE mortgage calulator below to see if there might be a suitable offset mortgage 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 lending criteria of the One Account’s offset mortgage are as follows:

  • UK resident that owns or is about to buy a property in England, Scotland or Wales
  • Must be at least 18 and have at least 5 years before retirement
  • Borrowing at least £30,000
  • Excludes right-to-buy or buy-to-let properties, and properties part owned by housing associations or local councils.


The One Account was first set up by Virgin and The Royal Bank of Scotland in 1997. The One Account’s offset mortgage was considered to be the first of its kind in the UK.


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