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Offset Mortgages

Want to know more about Offset Mortgages? Read our hub to find the information you need

No impact on credit score

If you have a sizable savings pot, it’s possible to link it to your mortgage to reduce the amount of interest you pay each month. This type of arrangement is known as an offset mortgage, and there are plenty of benefits to it as well as alternatives to consider.

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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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