Best Offset / Current Account / Flexible Mortgage deals
A UK offset mortgage or current account mortgage uses the balance in your everyday savings or cheque account to reduce what you owe on your mortgage on a daily basis.
Our selection of the best current account mortgage deals and the best offset mortgages available to John Charcol are displayed in our Best Buy table below.
|Mortgage Provider||Mortgage Type||Initial Rate/Duration||Subsequent Rate/Duration||The overall cost for comparison||Early Repayment Charges|
|Offset / CAM Mortgage||1.79% Fixed until 31/03/16 (60%)||3.99% Variable for term||3.80% APR||3% until 31/03/2016|
|Offset / CAM Mortgage||2.19% Variable for term (65%)||n/a||2.20% APR||No early repayment charge|
|Offset / CAM Mortgage||2.29% - Bank Rate plus 1.79% for 2 years (60%)||3.99% Variable for term||3.80% APR||2% for 2 years|
|Offset / CAM Mortgage||2.44% Fixed until 28/02/2016 (80%)||5.99% Variable for term||5.50% APR||2/1% until 28/02/2016|
|Offset / CAM Mortgage||2.45% - Bank Rate plus 1.95% for 2 years (80%)||5.64% Variable for term||5.30% APR||No early repayment charge|
|Offset / CAM Mortgage||2.69% - SVR minus 2.26% until 31/03/2016 (65%||4.95% Variable for term||4.60% APR||No early repayment charge|
|Offset / CAM Mortgage||3.19% - SVR minus 2.45% for term (80%)||n/a||3.30% APR||No early repayment charge|
|Offset / CAM Mortgage||3.45% Fixed until 31/12/2015 (85%)||4.49% Variable for term||4.50% APR||3/1% until 31/12/2015|
|Offset / CAM Mortgage||3.89% - Bank Rate plus 3.39% for 2 years (90%)||5.64% Variable for term||5.40% APR||No early repayment charge|
* All mortgage calculations and APRs are based on a £150,000 repayment mortgage at 75% loan to value over 25 years. Should you require different mortgage calculations then please call one of our independent mortgage advisers.
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