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||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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