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.
Best Buys: Use our quick mortgage finder to compare mortgage rates
| Mortgage Provider | Mortgage Type | Initial Rate/Duration | Subsequent Rate/Duration | The overall cost for comparison | Early Repayment Charges | ||
|---|---|---|---|---|---|---|---|
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Offset / CAM Mortgage | 2.79% - Bank Base Rate plus 2.29% until 31/12/2013 (75%) | 4.74% Variable for term | 4.20% APR | 4% until 31/12/2013 | ||
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Offset / CAM Mortgage | 2.89% (SVR minus 1.70% until 30/04/2014 - 60%) | 4.59% Variable for term | 3.40% APR | No early repayment charge | ||
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Offset / CAM Mortgage | 2.95% Fixed until 31/12/2013 (65%) | 4.74% Variable for term | 3.09% APR | 4% until 31/12/2013 | ||
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Offset / CAM Mortgage | 3.15% Fixed until 31/12/2013 (75%) | 4.74% Variable for term | 5.55% APR | 4% until 31/12/2013 | ||
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Offset / CAM Mortgage | 3.49% Variable for term (75%) | n/a | 3.70% APR | No early repayment charge | ||
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Offset / CAM Mortgage | 3.59% -Bank Base plus 3.09% for term (75%) | n/a | 3.45% APR | £250 until 02/02/2014 | ||
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Offset / CAM Mortgage | 3.69% - Barclays Bank Base Rate plus 3.19% for term (70%) | n/a | 3.30% APR | 1% until 28/02/2015 | ||
| Mortgage comparison powered by Charcol | |||||||
* 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.
These mortgage best buys are an indication of the best mortgage deals in the market, but are not necessarily the right mortgage for you. We advise all mortgage borrowers to call one of our independent mortgage experts who can help find precisely the best mortgage deal for you. With access to private mortgage banks and alternative building societies who do not have set mortgage products and, as such, do not appear above, a call is highly recommended. Don't miss out on the best mortgage deals
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