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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

Provider	Mortgage Type	Initial Rate/Duration	Subsequent Rate	The overall cost for comparison	Total Monthly Cost *	Early Repayment Charges
0845 413 1051	Flexible/Offset/CAM	3.19 % for 2 years	3.99% for 276 months	4.1% APR	£778.82	2 years	Enquire Fees
0845 413 1091	Flexible/Offset/CAM	3.49 % for 25 years	-	3.7% APR	£790.39	31/07/2012	Enquire Fees
0845 413 1051	Flexible/Offset/CAM	4.49% until 30/09/2011	4.74% for 36 months, 4.49% for 238 months	4.8% APR	£2,129.99	30/06/2011	Enquire Fees
0845 413 1051	Flexible/Offset/CAM	4.69% until 31/07/2011	3.99% for 276 months	4.4% APR	£902.50	31/07/2011	Enquire Fees
0845 413 1051	Flexible/Offset/CAM	4.99% until 31/07/2011	3.99% for 276 months	4.4% APR	£886.86	31/07/2011	Enquire Fees
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* For further information on true monthly cost and how our best buys are selected

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Our experts will pick the right product with the best offset mortgage rate for your circumstances and pro-actively manage your application,

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Independent mortgage advice

Your initial consultation is obligation free. There will be a minimum fee for our service of £250, of which £100 is payable when you apply, and we will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.63% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

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