Compare Offset Mortgages - Find the Best Mortgage Rates

Offset mortgages are a relatively new to the mortgage
market, and are becoming increasingly popular. This
type of mortgage offsets the amount of interest
you pay by considering what money you have
in savings accounts and current accounts.

Click here to talk to a mortgage advisor
today for more information free advise.

Offset Mortgages
Provider	Initial Rate & Period	Subsequent Rate	Cost For Comparison	Max. Loan To Value	Apply
	Woolwich Offset Tracker Mortgage
	2.89% for term	n/a	3.1%	70%
	Yorkshire BS Flexible 2 year Offset Direct
	3.49% 31/05/2012	4.99%	4.9%	75%
	Woolwich Offset Mortgage
	3.49% for term	n/a	3.6%	70%
	Santander Flexible Mortgage
	3.25% for term	n/a	3.4%	75%
	Natwest Offset Flexible Mortgage
	3.75% for term	n/a	3.9%	80%
	Yorkshire BS Flexible 2 year Offset Direct
	3.09% 31/05/2012	4.99%	4.8%	75%
	The One Account Mortgage (LTV 50%)
	3.65% for term	3.65%	3.8%	50%
	The One Account Mortgage (LTV 75%)
	3.8% for term	3.75%	3.8%	75%
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For a full list of mortgage brokers and providers please click here.

Chelsea	First Direct	HSBC Bank	ING Direct	Nationwide
Natwest	Post Office	The One Account	Woolwich	Yorkshire

Initial Rate Details:

2.39% above Barclays Bank Base rate for entire term.

£999 application fee. If you're an existing customer with a remortage, a £100 fee also applies.

Early Repayment Charge:

Capitial Repayments:

£250,000 - £1,000,000

You are able to overpay upto 10% without incuring a repayment charge. Otherwise an early repayment charge of 1% of the balance repaid will apply until 30/09/2012.

3.49% until 31/05/2012

Initial Rate Details:

3.49% fixed until 31/05/2012.

£995 (£195 of this fee is payable on application and is non refundable, £800 is added to your mortgage on completion).

Early Repayment Charge:

3% to 31/07/2012 if the product is repaid in full or in part, or transferred (in full or part) an early repayment charge is payable as described above.

Capitial Repayments:

3% of the original loan if repaid in full or transferred (in full) until 31/07/2012.

£25,000 - £1,000,000

Unlimited overpayments are available without penalty.

Initial Rate Details:

2.59% above the Barclays Bank Base Rate for entire term.

£999 application fee. If you're an existing customer with a remortage, a £100 fee also applies.

Early Repayment Charge:

Capitial Repayments:

Maximum loan amount £150,000.

Initial Rate Details:

2.75% above Bank of England base rate for the term of the mortgage.

£995 booking fee payable. £225 mortgage account fee payable upon completion or deferred until redemption. (The fee is fixed, does not incur interest, and is non-refundable.)

Early Repayment Charge:

Clawback of �250 cashback in conjunction with the Home Buyer Solution package until 02/07/2012.

Capitial Repayments:

£20,000 - £550,000

Up to and including 10% of the loan may be repaid each year without penalty. Minimum �500.

Initial Rate Details:

3.25% above NatWest base rate for the entire term.

£299 product fee applies.

Early Repayment Charge:

There is no early redemption charge payable.

Capitial Repayments:

£25,000 - £2,000,000

Unlimited overpayments allowed.

3.09% until 31/05/2012

Initial Rate Details:

3.09% fixed until 31/05/2012

£995 (£195 of this fee is payable on application and is non refundable, £800 is added to your mortgage on completion).

Early Repayment Charge:

3% to 31/07/2012 if the product is repaid in full or in part, or transferred (in full or part) an early repayment charge is payable as described above.

Capitial Repayments:

3% of the original loan if repaid in full or transferred (in full) until 31/07/2012.

£25,000 - £1,000,000

Unlimited overpayments are available without penalty.

Initial Rate Details:

3.65% for the term of the mortage.

Early Repayment Charge:

There is no early redemption charge.

Capitial Repayments:

Unlimited overpayments are allowed without penalty.

Initial Rate Details:

3.8% for the term of the mortgage.

Early Repayment Charge:

There is no early redemption charge.

Capitial Repayments:

Unlimited overpayments are allowed without penalty.

Woolwich Offset Mortgage See below for more information
Initial Rate:	3.09% for term
Initial Rate Details:	2.59% above the Barclays Bank Base Rate for entire term.
Product Fee's:	£999 application fee. If you're an existing customer with a remortage, a £100 fee also applies.
Early Repayment Charge:	not specified.
Capitial Repayments:	not specified.
Loan Amounts:	Maximum loan amount £150,000.
Overpayment Charge:	not specified.

The One Account Mortgage (LTV 50%) See below for more information
Initial Rate:	3.65% for term
Initial Rate Details:	3.65% for the term of the mortage.
Product Fee's:	not specified.
Early Repayment Charge:	There is no early redemption charge.
Capitial Repayments:	not specified.
Loan Amounts:	£30,000 +
Overpayment Charge:	Unlimited overpayments are allowed without penalty.

The One Account Mortgage (LTV 75%) See below for more information
Initial Rate:	3.8% for term
Initial Rate Details:	3.8% for the term of the mortgage.
Product Fee's:	not specified.
Early Repayment Charge:	There is no early redemption charge.
Capitial Repayments:	not specified.
Loan Amounts:	£30,000
Overpayment Charge:	Unlimited overpayments are allowed without penalty.

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woolwich Offset Tracker Mortgage See below for more information
Initial Rate:	2.89% for term
Initial Rate Details:	2.39% above Barclays Bank Base rate for entire term.
Product Fee's:	£999 application fee. If you're an existing customer with a remortage, a £100 fee also applies.
Early Repayment Charge:	not specified.
Capitial Repayments:	not specified.
Loan Amounts:	£250,000 - £1,000,000
Overpayment Charge:	You are able to overpay upto 10% without incuring a repayment charge. Otherwise an early repayment charge of 1% of the balance repaid will apply until 30/09/2012.

Yorkshire Flexible 2 year Offset Direct See below for more information
Initial Rate:	3.49% until 31/05/2012
Initial Rate Details:	3.49% fixed until 31/05/2012.
Product Fee's:	£995 (£195 of this fee is payable on application and is non refundable, £800 is added to your mortgage on completion).
Early Repayment Charge:	3% to 31/07/2012 if the product is repaid in full or in part, or transferred (in full or part) an early repayment charge is payable as described above.
Capitial Repayments:	3% of the original loan if repaid in full or transferred (in full) until 31/07/2012.
Loan Amounts:	£25,000 - £1,000,000
Overpayment Charge:	Unlimited overpayments are available without penalty.

Santander Flexible Mortgage See below for more information
Initial Rate:	3.25% for term
Initial Rate Details:	2.75% above Bank of England base rate for the term of the mortgage.
Product Fee's:	£995 booking fee payable. £225 mortgage account fee payable upon completion or deferred until redemption. (The fee is fixed, does not incur interest, and is non-refundable.)
Early Repayment Charge:	Clawback of �250 cashback in conjunction with the Home Buyer Solution package until 02/07/2012.
Capitial Repayments:	n/a
Loan Amounts:	£20,000 - £550,000
Overpayment Charge:	Up to and including 10% of the loan may be repaid each year without penalty. Minimum �500.

Natwest Offset Flexible Mortgage See below for more information
Initial Rate:	3.75% for term
Initial Rate Details:	3.25% above NatWest base rate for the entire term.
Product Fee's:	£299 product fee applies.
Early Repayment Charge:	There is no early redemption charge payable.
Capitial Repayments:	n/a
Loan Amounts:	£25,000 - £2,000,000
Overpayment Charge:	Unlimited overpayments allowed.