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Offset mortgages
Mortgage options
Why an offset mortgage?
- You can offset eligible current and savings account balances to help repay your mortgage early
- Offers the flexibility to overpay, underpay and take repayment holidays
Calculate your monthly costs
Use our calculator to work out your monthly mortgage repayments.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Offset Rates Available as of 17th December2009
| Initial deal | Follow-on | Overall cost for comparison | Min deposit | Product fee | ||
|---|---|---|---|---|---|---|
| Rate | Until | Rate (variable) | ||||
| Offset Flexible Mortgage | 3.75% | N/A | 0% | 3.9% APR | 25% | £299 |
An offset mortgage could be just the answer if you're looking to take control of your finances. That's because our Offset Flexible Mortgage neatly adapts to meet your changing financial needs and circumstances.
Flexible by nature
- Pay off your mortgage early - without any penalties
- Save money over the long-term - make extra repayments, without any charges
- Get some breathing space - underpay or take repayment holidays. Interest will continue to accrue during any repayment break or period of reduced payments
- Access extra money - borrow at your mortgage interest rate
- Take your mortgage with you - take your Offset Flexible Mortgage with you when you move home