Offset Mortgages

An Offset mortgage can be an excellent financial planning tool and can ultimately save you thousands of pounds in interest and tax.

You may want to use your savings to offset against your mortgage balance, and then choose to reduce your monthly payments, or pay the normal amount and reduce your term.

An Offset mortgage could potentially allow you to capital raise now, maybe for a future project, and not pay interest on the money until you actually draw it down. The interest rate will be at the same low rate that we secure for you when we set up the mortgage.

Some examples of what clients capital raise for are:-

  • To buy a holiday home or an investment property
  • School fees
  • Home improvements

Talk to us and we can explain exactly how an Offset mortgage works and we can go through all the options


A  MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME OR PROPERTY. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.

THE FINANCIAL CONDUCT AUTHORITY DOES NOT REGULATE MOST FORMS OF BUY TO LET MORTGAGE.