Compare Offset Mortgage Rates
Offset
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Offset mortgages

An offset mortgage consolidates your mortgage, savings account and current account under one provider.

Although you won't earn interest on your savings, the amount of savings you have will reduce the interest you pay on your mortgage.

You will still be able to access your savings but when you withdraw money, the amount on which interest is payable will increase. If you leave your savings account untouched, your savings can effectively earn more interest than you'll get in a traditional savings account.

The other advantage is that offset mortgages are flexible so you can make lump sum overpayments or take additional borrowing against overpayments. It's a good option for those who are self-employed.

You can compare offset mortgages in our tables below.

 
 
Lender Initial Rate Duration Standard Rate Overall Cost For Comparison Max Loan To Value Fee
1.99%2 years3.94%3.7% APRNA£1499
2.45%2 years5.69%5.4% APR75%£999
2.49%2 years4.99%4.7% APR70%£499
2.59%3 Years4.99%4.4% APRNA£598
2.65%2 Years5.69%5.5% APR75%£999
2.69%2 years4.99%5% APR75%£795
2.75%2 years5.49%5.1% APR80%£95
2.75%To Mar 20145.95%5.6% APR70%£374
2.79%To Mar 20144.99%4.8% APR75%Nil
4.49%3 years5.44%5.4% APR90%Nil
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