Offset Mortgages Advice Hub

Offset Mortgages

An offset mortgage can help reduce the interest you pay on your mortgage. Speak to one of the specialist brokers we work with to learn how to get approved for this type of mortgage.

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If you have a sizable savings pot, you can link it to your mortgage to reduce the interest you pay each month. This arrangement is known as an offset mortgage and offers numerous benefits, along with some alternatives worth considering.

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FAQs

Explore our FAQs to find answers to common questions about offset mortgages and learn how our service can help you.

Online Mortgage Advisor (OMA) is a free mortgage broker matching service tailored to your unique needs.

OMA connects you with the perfect mortgage advisor based on your specific circumstances, ensuring you receive the best advice and support.

If you overpay your mortgage, you pay more than the required amount, which means you could be mortgage-free sooner. While you balance your savings against your mortgage by offsetting and only pay interest on the difference.

This can be the case but you’ll have to make repayments based on the full loan amount rather than the offset amount. You might be charged a higher interest rate by your lender if you do this.