Compare the best offset mortgage deals on the market

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1184 Total reviews

4.82 Average rating

Reviews.co.uk

Looking to offset your savings against your mortgage to reduce the amount of interest you pay? Our offset mortgage comparison tool provides an indication of the best offset mortgage deals currently on the market. 

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We recommend you sort by True Cost Comparison find out more

We recommend you sort by True Cost Comparison

We suggest you use our ‘True Cost Comparison’ filter. This allows you to accurately understand how different mortgages compare by ordering results based on the total cost over a ‘deal period’, such as a two, or five-year fixed rate mortgage.

Some low interest rate deals might seem attractive, but if fees are higher they might not be the best value for you. When comparing mortgage deals our true cost comparison factors the lender fees over the length of the deal as well as your monthly mortgage payments.

For example, if your repayments are £2,000 per month on a two-year fixed-rate mortgage, plus £500 in lender fees, the total cost of the deal is £48,500.

We've found 26 offset mortgage deals that match your search

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Product code Q68
Initial rate 1.79% then 4.24% (variable) ?
Monthly repayments £827 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £2,049 ?
Cost comparison £24,389 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.45% of loan amount redeemed to be paid until 29-Feb-2020; then 0.70% of loan amount redeemed to be paid until 28-Feb-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.79% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £827.41 and 273 payments of £1,059.83. The total amount payable would be £313,723 made up of the loan amount plus interest (£111,674) and fees (£2,049 which includes exit fees of £195). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code Z41
Initial rate 1.79% then 4.24% (variable) ?
Monthly repayments £827 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £2,049 ?
Cost comparison £24,389 ?

Fees & Charges

Booking fee £0
Arrangement fee £1,499
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.45% of loan amount redeemed to be paid until 29-Feb-2020; then 0.70% of loan amount redeemed to be paid until 28-Feb-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.79% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £827.41 and 273 payments of £1,059.83. The total amount payable would be £313,723 made up of the loan amount plus interest (£111,674) and fees (£2,049 which includes exit fees of £195). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004I8L
Initial rate 1.89% then 4.99% (variable) ?
Monthly repayments £837 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £1,132 ?
Cost comparison £22,058 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 1.89% and then on a variable rate, currently 4.99%, for the remaining 22 years and 11 months would require 25 payments of £837.04 and 275 payments of £1,117.11. The total amount payable would be £330,115 made up of the loan amount plus interest (£128,983) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 4.4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code C36
Initial rate 1.89% then 4.24% (variable) ?
Monthly repayments £837 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £1,549 ?
Cost comparison £24,149 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 29-Feb-2020; then 0.75% of loan amount redeemed to be paid until 28-Feb-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.89% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £837.04 and 273 payments of £1,060.84. The total amount payable would be £313,758 made up of the loan amount plus interest (£112,209) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code W83
Initial rate 1.89% then 4.24% (variable) ?
Monthly repayments £837 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £1,549 ?
Cost comparison £24,149 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £330
Other fees £25
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 1.50% of loan amount redeemed to be paid until 29-Feb-2020; then 0.75% of loan amount redeemed to be paid until 28-Feb-2021

Other info

Exit fees £195
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.89% and then on a variable rate, currently 4.24%, for the remaining 22 years and 9 months would require 27 payments of £837.04 and 273 payments of £1,060.84. The total amount payable would be £313,758 made up of the loan amount plus interest (£112,209) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.6% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 00169H
Initial rate 1.99% then 4.99% (variable) ?
Monthly repayments £847 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £615 ?
Cost comparison £23,477 ?

Fees & Charges

Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £30
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.50% of original loan to be paid until 29-Feb-2020; then 1.50% of original loan to be paid until 28-Feb-2021

Other info

Exit fees £90
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 1.99% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £846.74 and 273 payments of £1,131.09. The total amount payable would be £329,809 made up of the loan amount plus interest (£129,194) and fees (£615 which includes exit fees of £90). The overall cost for comparison is 4.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 002UBY
Initial rate 2.02% then 4.99% (variable) ?
Monthly repayments £850 ?
Type/Duration Fixed  until 01/02/2021 ?
Scheme fees £1,115 ?
Cost comparison £24,056 ?

Fees & Charges

Booking fee £0
Arrangement fee £995
Valuation fee £0
Other fees £30
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges 2.50% of original loan to be paid until 29-Feb-2020; then 1.50% of original loan to be paid until 28-Feb-2021

Other info

Exit fees £90
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 27 months at 2.02% and then on a variable rate, currently 4.99%, for the remaining 22 years and 9 months would require 27 payments of £849.66 and 273 payments of £1,131.41. The total amount payable would be £330,474 made up of the loan amount plus interest (£129,359) and fees (£1,115 which includes exit fees of £90). The overall cost for comparison is 4.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004I9P
Initial rate 2.19% then 4.74% (variable) ?
Monthly repayments £866 ?
Type/Duration Fixed  until 01/12/2023 ?
Scheme fees £1,132 ?
Cost comparison £53,978 ?

Fees & Charges

Booking fee £0
Arrangement fee £999
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 5.00% of loan amount redeemed to be paid until 31-Dec-2019; then 3.00% of loan amount redeemed to be paid until 31-Dec-2021; then 1.00% of loan amount redeemed to be paid until 31-Dec-2023

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 61 months at 2.19% and then on a variable rate, currently 4.74%, for the remaining 19 years and 11 months would require 61 payments of £866.33 and 239 payments of £1,085.41. The total amount payable would be £313,391 made up of the loan amount plus interest (£112,259) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.9% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code 004YKR
Initial rate 2.19% then 4.99% (variable) ?
Monthly repayments £866 ?
Type/Duration Fixed  until 01/12/2020 ?
Scheme fees £133 ?
Cost comparison £21,791 ?

Fees & Charges

Booking fee £0
Arrangement fee £0
Valuation fee £0
Other fees £8
Cashback £0

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.00% of loan amount redeemed to be paid until 31-Dec-2019; then 1.00% of loan amount redeemed to be paid until 31-Dec-2020

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, initially on a fixed rate for 25 months at 2.19% and then on a variable rate, currently 4.99%, for the remaining 22 years and 11 months would require 25 payments of £866.33 and 275 payments of £1,120.03. The total amount payable would be £330,654 made up of the loan amount plus interest (£130,521) and fees (£133 which includes exit fees of £125). The overall cost for comparison is 4.4% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

Product code KPF
Rate 2.2% ?
Monthly repayments £867 ?
Type/Duration Variable ?
Scheme fees £1,149 ?
Cost comparison £261,345 ?

Fees & Charges

Booking fee £199
Arrangement fee £800
Valuation fee £0
Other fees £0
Cashback £0

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges -

Other info

Exit fees £150
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 2.2% for 25 years would require 300 payments of £867.32. The total amount payable would be £261,345 made up of the loan amount plus interest (£60,196) and fees (£1,149 which includes exit fees of £150). The overall cost for comparison is 2.3% APRC representative.

More info

Speak to a mortgage expert on 0344 346 3672 or Enquire now

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We can save you time and money

An offset mortgage links your savings, and in some instances your current account, to your mortgage. As a result, instead of earning interest on your savings, you pay less interest on your mortgage. 

Many of the offset mortgage deals highlighted by our offset mortgage comparison tool are only available through independent brokers like John Charcol. Once you’ve found a deal that you think is right, call our experts to see how we can we save you time, effort and money.

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