Buy to Let Offset Mortgage

Buy to Let Offset Mortgage

Compare Latest UK Mortgage Deals

Compare Offset Buy To Let Mortgage Deals

A buy to let offset mortgage may be useful for customers who may wish to use their savings to bring down their borrowing costs.  With this type of agreement, customers are essentially setting their savings against their borrowings to lower the repayment costs of their mortgage, depending of course on how much of this loan their savings may cover.

Providers are quick to point out the tax advantages to this type of mortgage deal, as customers will not be expected to pay any tax on debt interest. Buy to let offset mortgages are also very flexible, as customers can take payment holidays without any financial penalties.

Unfortunately however, lenders will charge higher interest rates compared to other loans in order to compensate. In order for an agreement to remain viable, customers should have quite a substantial sum saved up in order to pay off their mortgage. Savings amounting to around 20% of their total mortgage is usually advisable in order to get the best possible return.

For customers that have saved a sufficient amount, the payout for a 25 year offset mortgage can be very positive.

It is also worth remembering that some buy to let mortgage policies may allow customers to link savings and current account balances to the mortgage. The earliest types of buy to let offset mortgages in the UK were usually linked to customer’s current accounts.

Under this agreement, the balance of the customer’s current account would be automatically added to their mortgage. So if for example the customers balance is at £60,000 and they have £4,000 in their current account, the amount of debt you will pay interest on will be reduced to £56,000. This balance would be adjusted very frequently, and the mortgage holder would only be expected to pay interest on the reduced figure.

If you are searching for a suitable mortgage deal, it is recommended to shop around – Use our specialist buy to let mortgage advice service to help you get the best deal.

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Other popular buy-to-let mortgage deals

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.48%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.69%
Reverts to 5.24%
Max LTV
75%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.72%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.73%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.12%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.19%
Reverts to 5.24%
Max LTV
60%
Product Fee
No

Call FREE on 0808 178 6813

£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.46%
Reverts to 5.24%
Max LTV
75%
Product Fee
No

Call FREE on 0808 178 6813

£400 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
2.51%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
3.24%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 5.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
3 Years
Initial Interest Rate
1.83%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
3 Years
Initial Interest Rate
2.22%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.05%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.13%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.21%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.31%
Reverts to 5.24%
Max LTV
75%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.41%
Reverts to 5.24%
Max LTV
60%
Product Fee
No

Call FREE on 0808 178 6813

£500 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.51%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.58%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.74%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.75%
Reverts to 5.24%
Max LTV
75%
Product Fee
No

Call FREE on 0808 178 6813

£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
3.58%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.64%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.64%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.02%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.04%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.80% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.49%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 5.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.48%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.65%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.69%
Reverts to 5.24%
Max LTV
75%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.72%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.72%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.73%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.04%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.05%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.19%
Reverts to 5.24%
Max LTV
60%
Product Fee
No

Call FREE on 0808 178 6813

£300 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.21%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.21%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.31%
Reverts to 5.24%
Max LTV
75%
Product Fee
Yes

Call FREE on 0808 178 6813

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
2.41%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
2.51%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.58%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.58%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.74%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
3.24%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 5.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
3.58%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.64%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.72%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.73%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.12%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.51%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes

Call FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.74%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
3.24%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 5.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
3.58%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes

£500 Cashback

Call FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.90% APRC. This is the cost of the mortgage over the full term.

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