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Find an offset mortgage

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Please enter a borrower type.

Please enter a property value.

Please enter a depositmortgage outstanding amount.

Please enter a term.

Your property value must be greater than your depositmortgage outstanding amount.

You have asked to borrow {{mortgageListing.customer.loan | currency:'£': 0}}. The minimum amount we will lend is £25,001. Please adjust your property value or depositmortgage outstanding amount.

You have asked to borrow {{mortgageListing.customer.loan | currency:'£': 0}}. The maxmimum amount we will lend is £5,000,000. Please adjust your property value or depositmortgage outstanding amount.

Your deposit must be at least 5% of your property value

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Interest rate
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Early Repayment Charges apply and other fees and charges may apply.

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Is an offset mortgage right for me?

  • Offset mortgages provide you with the opportunity to use your savings to reduce the cost of your mortgage, meaning that instead of earning interest on your savings you can reduce the amount of interest you pay on your mortgage.
  • This can help to reduce the length of time it takes to repay your mortgage or to lower your monthly payments now or in the future.
  • You will still have the flexibility to access your savings to deposit more or make withdrawals but doing so will change how much you could save on mortgage payments or the time it takes to repay your loan.
  • The reduction in your mortgage payments or mortgage term could be worth more to you than the return you would otherwise have received from placing your savings in a deposit account.
  • You have the option to either fix the interest rate on your offset mortgage for a set time or for your interest rate to track the Bank of England Base Rate for a specified period of time.
  • You have the right to repay the loan either partially or in full during the term of the loan.
  • Early Repayment Charges apply during the fixed/tracker rate period. Other fees and charges apply.

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.


Alternatives to offset mortgages

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.


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Want to know more?

The diagram below might help explain how offset mortgages work in conjunction with your savings.

If you have money in an offset savings account.

The savings will be offset against your mortgage.

So interest is only charged on the difference.

Offset calculator

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

Offset Plus is another offset mortgage option which allows your friends and family to link their savings to your mortgage.


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Important information

  • Our mortgages have limited availability and may be withdrawn at any time
  • Applications subject to standard lending criteria and all loans subject to status
  • Not all mortgage products allow you to apply online

Need help with mortgage definitions?

If you are unclear what something means, our
Mortgage glossary can help.

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How much can I borrow?

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


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