Mortgage advice
Offset Mortgages
Link eligible savings to your mortgage so interest is charged on a lower effective balance.
Personal adviceA clear recommendation, built around your circumstances.
- Advice shaped around you
- Lender research handled
- Support through to completion
What you need to know
How an offset mortgage works
An offset mortgage enables you to use savings held in a linked account to reduce the mortgage balance on which interest is calculated. For example, if you borrowed £200,000 and held £30,000 in linked savings, mortgage interest would usually be calculated on £170,000.
Potential benefits
- Reduce the interest charged on your mortgage
- Potentially reduce monthly payments or shorten the mortgage term, depending on the product
- Retain access to savings, subject to the lender’s account rules
Points to consider
Offset mortgage rates can be higher than standard mortgage deals and linked savings will usually not earn separate interest. The value of the benefit depends on the mortgage rate, the amount held in savings and how long those savings remain in the linked account.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our process
How Can Our Team Help You to Reach Your Goals
- 01
Understand your plans
We start with your goals, deposit, budget and timescales so the advice is grounded in your real situation.
- 02
Research the market
Your adviser reviews suitable lenders, criteria and product features before explaining the strongest options clearly.
- 03
Prepare the application
We help organise the details and documents a lender needs, then submit and manage the application with you.
- 04
Move towards completion
We stay close to the case, answer questions and help keep everyone aligned through offer and completion.
Your advice team
Meet the people behind your advice
Anandan Oliyath
Mortgage & Protection Advisor
Armstrong Mbazang
Mortgage & Protection Advisor
Bhim Bashyal
Mortgage & Protection Advisor
Bino Job
Protection Advisor
Ready when you are
Let’s make your next decision feel clearer.
Start with a straightforward conversation about where you are and what you want to achieve.
