Protecting your money: Deposits in the savings element of your Offset mortgage are covered by the Financial Services Compensation Scheme (FSCS), up to a total of £85,000 of the total deposits held with the following: Yorkshire Building Society, Barnsley Building Society, Chelsea Building Society, Norwich & Peterborough Building Society and Egg. Please refer to the FSCS Information Sheet (108 KB) or here for more information.
We have a range of mortgages available without an offset facility.
Fix your mortgage interest rate, so it won’t change over a set period of time, regardless of what is happening to interest rates elsewhere.
Mortgages that follow the Bank of England Base Rate - you could save money while the Base Rate remains low but your payments could also go up.
The diagram below might help explain how offset mortgages work in conjunction with your savings.
You should also refer to our Offset calculator to see how an Offset mortgage could benefit you.
You’ll need to enter some details about your savings and mortgage requirements and we’ll show how an Offset mortgage could save you money.
Takes approximately 2 minutes to complete
Offset Plus is another offset mortgage option which allows your friends and family to link their savings to your mortgage.
If you are unclear what something means, our
Mortgage glossary can help.
Find out how much we may be able to lend you by answering a few questions about your income and outgoings.
Takes approximately 5 minutes to complete
Enter a town, city or postcode to find your nearest branch.