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.
Recommendations
| Mortgage Provider | Mortgage Type | Initial Rate/Duration | Subsequent Rate/Duration | The overall cost for comparison | Early Repayment Charges | |
|---|---|---|---|---|---|---|
| Offset / CAM Mortgage | 2.59% Fixed until 28/02/2015 (75%) | 5.99% Variable for term | 5.60% APR | 3% until 28/02/2015 | ||
| Offset / CAM Mortgage | 2.69% - Bank Base Rate plus 2.19% for 2 years (60%) | 3.99% Variable | 4.08% APR | 3% for 2 years | ||
| Offset / CAM Mortgage | 2.69% Fixed until 31/08/2015 (60%) | 3.99% Variable for term | 3.80% APR | 3% until 31/08/2015 | ||
| Offset / CAM Mortgage | 2.85% Variable for term (75%) | n/a | 4.5% APR | No early repayment charge | ||
| Offset / CAM Mortgage | 3.09% - SVR minus 1.86% until 31/05/2015 (60%) | 4.95% Variable for term | 4.70% APR | No early repayment charge | ||
| Offset / CAM Mortgage | 3.39% Fixed until 30/06/2015 (80%) | 4.49% Variable for term | 4.60% APR | 3% until 30/06/2015 | ||
| Offset / CAM Mortgage | 3.49% - SVR minus 2.45% for term (80%) | n/a | 4.00% APR | No early repayment charge | ||
| Offset / CAM Mortgage | 3.69% - Bank Base Rate plus 3.19% for term (75%) | n/a | 3.80% APR | No early repayment charge | ||
| Offset / CAM Mortgage | 3.89% Fixed until 30/06/2018 (80%) | 4.49% Variable for term | 4.60% APR | 3% until 30/06/2018 | ||
| Offset / CAM Mortgage | 3.94% Fixed until 31/05/2018 (85%) | 5.99% Variable for term | 5.70% APR | 5/5/5/4/3% until 31/05/2018 |
* 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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