Compare the best offset mortgage deals on the market

John Charcol

John Charcol 0330 057 5173 £

Cutlers Exchange, 123 Houndsditch London EC3A 7BU

90%

1573 Total reviews

4.84 Average rating

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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 16 offset mortgage deals that match your search

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Product code 004I8L
Initial rate 1.59% then 4.74% (variable) ?
Monthly repayments £808 ?
Type/Duration Fixed  until 01/09/2021 ?
Scheme fees £1,132 ?
Cost comparison £20,533 ?

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 30-Sep-2020; then 1.00% of loan amount redeemed to be paid until 30-Sep-2021

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 24 months at 1.59% and then on a variable rate, currently 4.74%, for the remaining 23 years would require 24 payments of £808.36 and 276 payments of £1,115.21. The total amount payable would be £329,184 made up of the loan amount plus interest (£128,052) 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 006D4R
Initial rate 1.69% then 4.24% (variable) ?
Monthly repayments £818 ?
Type/Duration Fixed  until 01/11/2021 ?
Scheme fees £1,549 ?
Cost comparison £22,813 ?

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 1.75% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 1 year

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 26 months at 1.69% and then on a variable rate, currently 4.24%, for the remaining 22 years and 10 months would require 26 payments of £817.85 and 274 payments of £1,059.67. The total amount payable would be £313,163 made up of the loan amount plus interest (£111,614) 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 006D8B
Initial rate 1.69% then 4.24% (variable) ?
Monthly repayments £818 ?
Type/Duration Fixed  until 01/11/2021 ?
Scheme fees £1,549 ?
Cost comparison £22,813 ?

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 1.75% of loan amount redeemed to be paid within 1 year; then 1% of loan amount redeemed to be paid for next 1 year

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 26 months at 1.69% and then on a variable rate, currently 4.24%, for the remaining 22 years and 10 months would require 26 payments of £817.85 and 274 payments of £1,059.67. The total amount payable would be £313,163 made up of the loan amount plus interest (£111,614) 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 004I9P
Initial rate 1.99% then 4.74% (variable) ?
Monthly repayments £847 ?
Type/Duration Fixed  until 01/09/2024 ?
Scheme fees £1,132 ?
Cost comparison £51,936 ?

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 30-Sep-2020; then 3.00% of loan amount redeemed to be paid until 30-Sep-2022; then 1.00% of loan amount redeemed to be paid until 30-Sep-2024

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 60 months at 1.99% and then on a variable rate, currently 4.74%, for the remaining 20 years would require 60 payments of £846.74 and 240 payments of £1,081.73. The total amount payable would be £311,552 made up of the loan amount plus interest (£110,420) 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 00604R
Initial rate 2.02% then 4.99% (variable) ?
Monthly repayments £850 ?
Type/Duration Fixed  until 01/01/2022 ?
Scheme fees £620 ?
Cost comparison £23,910 ?

Fees & Charges

Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £35
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 2.5% of original loan to be paid until 31-Jan-2021; then 1.5% of original loan to be paid until 31-Jan-2022

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 28 months at 2.02% and then on a variable rate, currently 4.99%, for the remaining 22 years and 8 months would require 28 payments of £849.66 and 272 payments of £1,130.36. The total amount payable would be £328,923 made up of the loan amount plus interest (£128,303) and fees (£620 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 006D8M
Initial rate 2.09% then 4.24% (variable) ?
Monthly repayments £857 ?
Type/Duration Fixed  until 01/11/2024 ?
Scheme fees £1,549 ?
Cost comparison £54,652 ?

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 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.75% of loan amount redeemed to be paid for next 1 year; then 1.30% of loan amount redeemed to be paid for next 1 year

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 62 months at 2.09% and then on a variable rate, currently 4.24%, for the remaining 19 years and 10 months would require 62 payments of £856.50 and 238 payments of £1,037.26. The total amount payable would be £301,520 made up of the loan amount plus interest (£99,971) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.5% APRC representative.

More info

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

Product code 006DE2
Initial rate 2.09% then 4.24% (variable) ?
Monthly repayments £857 ?
Type/Duration Fixed  until 01/11/2024 ?
Scheme fees £1,549 ?
Cost comparison £54,652 ?

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 5.00% of loan amount redeemed to be paid within 1 year; then 4.00% of loan amount redeemed to be paid for next 1 year; then 3.00% of loan amount redeemed to be paid for next 1 year; then 2.75% of loan amount redeemed to be paid for next 1 year; then 1.30% of loan amount redeemed to be paid for next 1 year

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 62 months at 2.09% and then on a variable rate, currently 4.24%, for the remaining 19 years and 10 months would require 62 payments of £856.50 and 238 payments of £1,037.26. The total amount payable would be £301,520 made up of the loan amount plus interest (£99,971) and fees (£1,549 which includes exit fees of £195). The overall cost for comparison is 3.5% APRC representative.

More info

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

Product code 00604S
Initial rate 2.2% then 4.99% (variable) ?
Monthly repayments £867 ?
Type/Duration Fixed  until 01/01/2025 ?
Scheme fees £620 ?
Cost comparison £55,628 ?

Fees & Charges

Booking fee £0
Arrangement fee £495
Valuation fee £0
Other fees £35
Cashback £500

Flexibility

Max LTV 75%
Overpayments allowed? Yes
Early Repayment charges 5.00% of original loan to be paid until 31-Jan-2021; then 4.00% of original loan to be paid until 31-Jan-2022; then 3.00% of original loan to be paid until 31-Jan-2023; then 2.50% of original loan to be paid until 31-Jan-2024; then 1.50% of original loan to be paid until 31-Jan-2025

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 64 months at 2.2% and then on a variable rate, currently 4.99%, for the remaining 19 years and 8 months would require 64 payments of £867.32 and 236 payments of £1,105.69. The total amount payable would be £316,571 made up of the loan amount plus interest (£115,951) and fees (£620 which includes exit fees of £90). The overall cost for comparison is 3.8% APRC representative.

More info

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

Product code 004IBL
Rate 2.29% ?
Monthly repayments £876 ?
Type/Duration Variable ?
Scheme fees £1,132 ?
Cost comparison £264,001 ?

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 -

Other info

Exit fees £125
Basic legals Payable

Representative example: A mortgage of £200,000 payable over 25 years on a repayment basis, on a variable rate of 2.29% for 25 years would require 300 payments of £876.23. The total amount payable would be £264,001 made up of the loan amount plus interest (£62,869) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 2.4% APRC representative.

More info

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

Product code 004ZVP
Initial rate 2.45% then 4.74% (variable) ?
Monthly repayments £892 ?
Type/Duration Fixed  until 01/09/2029 ?
Scheme fees £1,132 ?
Cost comparison £108,197 ?

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 30-Sep-2021; then 3.00% of loan amount redeemed to be paid until 30-Sep-2024; then 1.00% of loan amount redeemed to be paid until 30-Sep-2029

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 120 months at 2.45% and then on a variable rate, currently 4.74%, for the remaining 15 years would require 120 payments of £892.21 and 180 payments of £1,043.78. The total amount payable would be £296,078 made up of the loan amount plus interest (£94,946) and fees (£1,132 which includes exit fees of £125). The overall cost for comparison is 3.4% 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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