Offset Mortgages

Offset Mortgages

Compare Latest UK Mortgage Deals

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

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

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.68%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

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

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Max LTV
60%
Product Fee
Yes

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

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.79%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

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

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.99%
Reverts to 4.25%
Max LTV
60%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type
Offset Fixed
Initial Term
2 Years
Initial Interest Rate
1.99%
Reverts to 4.25%
Max LTV
75%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type
Offset Variable
Initial Term
3 Years
Initial Interest Rate
1.99%
Reverts to 4.99%
Max LTV
60%
Product Fee
No

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

Type
Offset Fixed
Initial Term
5 Years
Initial Interest Rate
2.04%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Offset Fixed
Initial Term
5 Years
Initial Interest Rate
2.09%
Reverts to 4.99%
Max LTV
60%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Offset Fixed
Initial Term
5 Years
Initial Interest Rate
2.10%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Offset Fixed
Initial Term
5 Years
Initial Interest Rate
2.15%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Offset Variable
Initial Term
3 Years
Initial Interest Rate
2.19%
Reverts to 4.99%
Max LTV
75%
Product Fee
No

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

Compare Offset Mortgage Deals

Offset mortgages are a type of interest rate deal that links your current account, savings account or credit card to your mortgage loan with the aim of reducing the amount of interest you pay and decreasing the overall size of your mortgage.

Your savings are combined with your debt and the interest you earn on your savings is used to reduce the amount of interest you pay when repaying your mortgage loan, potentially saving you a significant amount of money. The more savings you have, the more interest you are likely to earn, and the interest accumulated on your savings is used to reduce the interest on your mortgage loan.If your mortgage loan is £150,000 and your savings are £50,000, you will only have to pay interest on the first £100,000 of your mortgage loan.

Offset mortgages are generally considered to very flexible, and may enable customers to:

  • Make as many overpayments as they want to reduce the overall size of their mortgage
  • Make underpayments in times when they need to dip into their savings
  • Take advantage of a drawdown facility allowing them to withdraw money from their mortgage account
  • Take payment holidays if necessary

Offset mortgages could suit you if you are a person:

  • With substantial savings that can be put to use
  • Who has a cash ISA
  • In a higher tax bracket
  • With buy-to-let properties

Alternatively if you require mortgage advice use the whole of market mortgage advice service below:

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