2 Year Offset Mortgages

2 Year Offset Mortgages

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2 Year Offset Mortgages

If you have a good chunk of money in a savings or current account, maybe somewhere between 10% and 25% of the amount you are going to borrow to buy a home, an offset mortgage could allow you to take some of the sting out of your interest payments.

A 2 year offset mortgage deal would be well suited to a higher rate taxpayer or perhaps a self employed worker who saves up their money all year long for the purposes of tax.

There are flexible aspects to a 2 year offset mortgage deal that may appeal to you:

  • You can make overpayments – pay off your debt in a short amount of time.
  • You can make underpayments – at times when your savings are less than other times in the year, you may pay less than the previous month.
  • You can take payment holidays – in times of need, for instance for family obligations, you may be allowed time off from repaying your mortgage loan

Take a look at our comparison tables to see a range of mortgage deals and their lenders.

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