Best Offset Mortgages

An offset mortgage is designed for borrowers who have some cash savings. The cash savings are held in a linked savings account – instead of earning (taxable) interest, the savings 'offset' your mortgage debt, so you get to pay reduced mortgage interest.

The net benefit can be that you pay off your mortgage faster and save money compared to keeping your savings in cash. Since mortgage interest is often higher than savings interest, and with the tax position being different, some savers can end up better off with an offset mortgage than with a separate mortgage and savings account – it all depends on choosing the right deal.

Compare offset mortgages

You can use the table below to compare offset mortgage deals currently on the market.

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If you're comfortable making your own financial decisions, the table shows today's mortgage deals and you can call lenders directly for more information.

Or if you prefer, get advice on choosing the right mortgage,

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