Compare the best offset mortgage deals on the market

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1763 Total reviews

4.85 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 29 offset mortgage deals that match your search

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Scheme ID 3142
Initial rate 1.4% then 4.49% (variable) ?
Monthly repayments £ 1,186 ?
Type/Duration Variable ?
Scheme fees £1,007 ?
Cost comparison £29,465 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £125, plus (2% until 30-06-21, 1% until 30-06-22)

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.4%, then moving onto variable rate for 3 years at 3.99%, and then on a variable rate for 19 years and 9 months at 4.49%. This would require 27 payments of £1,185.76, followed by 36 payments of £1,545.97, and 237 payments of £1,613.30. The total amount payable would be £471,155 made up of the loan amount plus interest (£170,148) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.87% APRC representative.

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

Scheme ID 4022
Initial rate 1.5% then 4.49% (variable) ?
Monthly repayments £ 1,200 ?
Type/Duration Variable ?
Scheme fees £1,007 ?
Cost comparison £29,802 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £125, plus (2% until 30-06-21, 1% until 30-06-22)

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.5%, then moving onto variable rate for 3 years at 3.99%, and then on a variable rate for 19 years and 9 months at 4.49%. This would require 27 payments of £1,199.81, followed by 36 payments of £1,547.50, and 237 payments of £1,614.91. The total amount payable would be £471,971 made up of the loan amount plus interest (£170,964) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.89% APRC representative.

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

Scheme ID 22250
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £ 1,213 ?
Type/Duration Variable ?
Scheme fees £1,224 ?
Cost comparison £30,325 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% in year 1, 1% until 31-05-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.59%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,212.54 and 274 payments of £1,588.02. The total amount payable would be £467,868 made up of the loan amount plus interest (£166,644) and fees (£1,224 which includes exit fees of £0). The overall cost for comparison is 3.84% APRC representative.

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

Scheme ID 22319
Initial rate 1.59% then 4.24% (variable) ?
Monthly repayments £ 1,213 ?
Type/Duration Variable ?
Scheme fees £1,224 ?
Cost comparison £30,325 ?

Fees & Charges

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

Flexibility

Max LTV 60%
Overpayments allowed? Yes
Early Repayment charges 2% in year 1, 1% until 31-05-22

Other info

Exit fees £0
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 2 months at 1.59%, and then on a variable rate for 22 years and 10 months at 4.24%. This would require 26 payments of £1,212.54 and 274 payments of £1,588.02. The total amount payable would be £467,868 made up of the loan amount plus interest (£166,644) and fees (£1,224 which includes exit fees of £0). The overall cost for comparison is 3.84% APRC representative.

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

Scheme ID 4150
Initial rate 1.65% then 4.49% (variable) ?
Monthly repayments £ 1,221 ?
Type/Duration Variable ?
Scheme fees £1,007 ?
Cost comparison £30,313 ?

Fees & Charges

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

Flexibility

Max LTV 85%
Overpayments allowed? Yes
Early Repayment charges £125, plus (2% until 30-06-21, 1% until 30-06-22)

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.65%, then moving onto variable rate for 3 years at 3.99%, and then on a variable rate for 19 years and 9 months at 4.49%. This would require 27 payments of £1,221.07, followed by 36 payments of £1,549.79, and 237 payments of £1,617.29. The total amount payable would be £473,191 made up of the loan amount plus interest (£172,184) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.92% APRC representative.

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

Scheme ID 3918
Initial rate 1.8% then 4.49% (variable) ?
Monthly repayments £ 1,243 ?
Type/Duration Variable ?
Scheme fees £8 ?
Cost comparison £29,829 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges £125, plus (2% until 30-06-21, 1% until 30-06-22)

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.8%, then moving onto variable rate for 3 years at 3.99%, and then on a variable rate for 19 years and 9 months at 4.49%. This would require 27 payments of £1,242.56, followed by 36 payments of £1,552.05, and 237 payments of £1,619.64. The total amount payable would be £473,411 made up of the loan amount plus interest (£173,403) and fees (£133 which includes exit fees of £125). The overall cost for comparison is 3.92% APRC representative.

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

Scheme ID 47480
Initial rate 1.82% then 4.99% (variable) ?
Monthly repayments £ 1,245 ?
Type/Duration Variable ?
Scheme fees £1,510 ?
Cost comparison £31,401 ?

Fees & Charges

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

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges £200, plus (2% in years 1-2)

Other info

Exit fees £200
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 1.8200000000000003%, and then on a variable rate for 23 years at 4.99%. This would require 24 payments of £1,245.44 and 276 payments of £1,711.78. The total amount payable would be £504,052 made up of the loan amount plus interest (£202,542) and fees (£1,710 which includes exit fees of £200). The overall cost for comparison is 4.56% APRC representative.

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

Scheme ID 4420
Initial rate 1.85% then 4.49% (variable) ?
Monthly repayments £ 1,250 ?
Type/Duration Variable ?
Scheme fees £1,007 ?
Cost comparison £31,001 ?

Fees & Charges

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

Flexibility

Max LTV 90%
Overpayments allowed? Yes
Early Repayment charges £125, plus (2% until 30-06-21, 1% until 30-06-22)

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a fixed rate for 2 years and 3 months at 1.85%, then moving onto variable rate for 3 years at 3.99%, and then on a variable rate for 19 years and 9 months at 4.49%. This would require 27 payments of £1,249.77, followed by 36 payments of £1,552.79, and 237 payments of £1,620.42. The total amount payable would be £474,816 made up of the loan amount plus interest (£173,809) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.96% APRC representative.

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

Scheme ID 47479
Initial rate 2.06% then 4.99% (variable) ?
Monthly repayments £ 1,280 ?
Type/Duration Variable ?
Scheme fees £1,510 ?
Cost comparison £32,238 ?

Fees & Charges

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

Flexibility

Max LTV 80%
Overpayments allowed? Yes
Early Repayment charges £200, plus (2% in years 1-2)

Other info

Exit fees £200
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, initially on a variable rate for 2 years at 2.06%, and then on a variable rate for 23 years at 4.99%. This would require 24 payments of £1,280.34 and 276 payments of £1,715.25. The total amount payable would be £505,847 made up of the loan amount plus interest (£204,337) and fees (£1,710 which includes exit fees of £200). The overall cost for comparison is 4.60% APRC representative.

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

Scheme ID 13007
Rate 2.09% ?
Monthly repayments £ 1,285 ?
Type/Duration Variable ?
Scheme fees £1,007 ?
Cost comparison £31,841 ?

Fees & Charges

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

Flexibility

Max LTV 65%
Overpayments allowed? Yes
Early Repayment charges Not Applicable

Other info

Exit fees £125
Basic legals £0

Representative example: A mortgage of £300,000 payable over 25 years on a repayment basis, on a variable rate for 25 years at 2.09%. This would require 300 payments of £1,284.75. The total amount payable would be £386,557 made up of the loan amount plus interest (£85,550) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 2.14% APRC representative.

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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