Offset Mortgages

Offset Mortgages - Offset mortgages allow the borrower to reduce their interest rate payments by offsetting a credit balance against the mortgage debt. Offset mortgages are usually available for a finite period, usually between two and ten years. However, some lenders may offer one year offset mortgages, and others may offer up to twenty five year offset mortgages. Offset mortgages allow for some flexibility and may be suitable for borrowers with savings.

At Capital Fortune, our experts are in contact with a range of lenders who offer offset mortgages. Our market knowledge allows us to know which offset mortgages are most suited for our clients. We offer or clients a holistic view of the products available on the market, going through the range of offset mortgages, and looking beyond the headline rates into the fine print of the lenders’ offset mortgages. We can save our clients much of the hassle of applying for offset mortgages, and ensure that they can get the most cost effective deal, whilst increasing the likelihood of a successful application.

Call our mortgage broker team now on 0845 3 630 430 or complete the Mortgage Enquiry Online. As part of our service, we will call you back.

The table below shows the current best offset mortgages available.

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Contact Us

Capital Fortune
City Office

14 Nicholas Lane
London
EC4N 7BN

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The overall cost for comparison on residential mortgages is 4.5% APR. The actual rate available will depend on your personal circumstances.

There will be a fee for our mortgage advice, the precise amount will depend upon your circumstances but we estimate that it will be £995, payable £495 at the outset but refunded if your mortgage application is declined upon initial underwriting. The balance of our fee is typically paid on completion. Your fee will not be refunded should you withdraw from the process or not accept our recommendation. Ask your Advisor for confirmation of our fees which we will email to you in an Initial Disclosure Document (IDD). You can find further information on our Terms of Business here.

The Financial Services Authority does not regulate some forms of buy to let, commercial mortgages, secured loans, bridging finance, trusts and conveyancing.

Capital Fortune Ltd is an Appointed Representative of Pink Home Loans. Pink Home Loans is a trading name of Advance Mortgage Funding Limited which is authorised and regulated by the Financial Services Authority. Capital FortuneLtd Registered office address: 14 Nicholas Lane, Bank, London, EC4N 7BN. Registered in England and Wales No. 05683249.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

The Financial Services Authority does not regulate some forms of buy to lets, commercial mortgages, secured loans, unsecured loans, bridging loans, trusts, overseas mortgages, conveyancing or debt management.