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Best Offset Mortgage Rates
Best Offset Mortgage Rates - with 10% of the UK currently taking out Offset accounts, how can you be sure that you are finding the best offset mortgage rates available? With Which4U, you can compare the top lenders in seconds to get the best deal for you.
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Editors Choice - NatWest Mortgages - Call 0800 158 2940
NatWest offer a comprehensive range of fixed, tracker, off-set and buy-to-let mortgages. Call NatWest on 0800 158 2940 to discuss (Lines open Mon-Fri 8am-8pm & Sat 9am-4pm)
Popular Tracker Mortgages - Simply call the numbers to speak directly to the lenders listed below!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
| View Full Table > | |||||||
 |
RBS 2 Year Tracker
|
2.59% (variable)
2.09% above RBS base rate for 24 months
|
4% (variable)
|
3.90%
|
60%
|
£999
|
Call RBS 0800 068 7683 Apply > |
|
You must have or open an RBS current account to be eligable for this product
|
|||||||
 |
NatWest 2 Year Tracker Mortgage
|
2.69% (variable)
2.19% above NatWest base rate for 24 months
|
4% (variable)
|
4.20%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
NatWest 2 Year Tracker Mortgage
|
2.89% (variable)
2.39% above NatWest base rate for 24 months
|
4% (variable)
|
4.00%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
 |
Santander 3 Year Tracker Mortgage
|
2.99% (variable)
2.49% above Bank of England base rate for 3 years
|
4.24% (variable)
|
4.00%
|
75%
|
£995
|
|
 |
Post Office 2 Year Tracker
|
3.09% (variable)
2.59% above the Bank of England Base Rate for 2 Years
|
4.49% (variable)
|
4.40%
|
75%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
 |
Woolwich 2 Year Tracker Rate Mortgage
|
3.29% (variable)
2.79% above the Barclays Bank Base Rate for 2 Years
|
3.89% (variable)
|
3.90%
|
70%
|
£499
|
|
Popular Fixed Rate Mortgages - Simply call the numbers to speak directly to the lenders listed below!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
| View Full Table > | ||||||||
|
|
RBS 2 Year Fixed Rate
|
2.89%
|
Fixed for 2 Years
|
4% (variable)
|
3.80%
|
60%
|
£999
|
Call RBS 0800 068 7683 Apply > |
|
You must have or open an RBS current account to be eligable for this product
|
||||||||
|
|
NatWest 2 Year Fixed Rate Mortgage
|
2.99%
|
Fixed for 2 Years
|
4.1% (variable)
|
4.00%
|
60%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
Post Office 2 Year Fixed Rate Mortgage
|
3.09%
|
Fixed for 2 Years
|
4.49% (variable)
|
4.40%
|
75%
|
£995
|
Call Post Office 0203 004 2012 Apply > |
|
|
Woolwich 2 Year Fixed Rate Mortgage
|
3.49%
|
Fixed for 2 Years
|
3.89% (3.39% above Barclays Bank Base Rate)
|
4%
|
60%
|
£999
|
|
|
|
Santander 3 Year Fixed Rate Mortgage
|
4.89%
|
Fixed for 3 Years
|
4.24% (variable)
|
4.60%
|
85%
|
£99
|
|
|
|
NatWest 5 Year Fixed Rate Mortgage
|
4.99%
|
Fixed for 5 Years
|
4% (variable)
|
4.70%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
Popular First Time Buyer Mortgages - Simply call the numbers to speak directly to the lenders listed below!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
|
|
2 Year Fixed-Rate NewBuy Scheme Mortgage
|
4.79%
|
Fixed for 2 Years
|
4% (variable)
|
4.30%
|
95%
|
£499
|
Call NatWest 0800 158 2940 Apply > |
|
|
RBS 2 Year Fixed Mortgage
|
4.99%
|
Fixed for 2 Years
|
4% (variable)
|
4.40%
|
90%
|
£995
|
Call RBS 0800 068 7683 Apply > |
|
Existing RBS Customers Only
|
||||||||
|
|
2 Year Fixed Rate Mortgage
|
5.59%
|
Fixed for 2 Years
|
4% (variable)
|
4.50%
|
90%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
|
|
RBS 5 Year Fixed Mortgage
|
6.09%
|
Fixed for 5 Years
|
4% (variable)
|
5.10%
|
90%
|
No Application Fee
|
Call RBS 0800 068 7683 Apply > |
Popular Offset Mortgages - Simply call the numbers to speak directly to the lenders listed below!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|---|---|---|---|---|---|---|---|
|
|
Barclays Offset Tracker Mortgage
|
3.29% (variable)
(3.39% above the Barclays Bank Base Rate for entire term)
|
n/a
|
3.90%
|
70%
|
£1,499
|
|
|
|
Santander Offset Mortgage
|
3.59% (variable)
3.09% above Bank of England base rate for term of mortgage
|
N/A
|
3.70%
|
75%
|
£995
|
|
 |
RBS One Account Offset Mortgage
|
3.75% (variable)
for term of mortgage
|
N/A
|
3.80%
|
75%
|
No Application Fee
|
Call One Account 0845 5648932 |
|
|
RBS Offset Flexible Mortgage
|
3.75% (variable)
3.25% above RBS base rate for the entire term
|
n/a
|
3.90%
|
up to 75%
|
£499
|
Call RBS 0800 068 7683 Apply > |
|
|
NatWest Offset Flexible Mortgage
|
4.00% (variable)
3.25% above NatWest base rate for the entire term
|
n/a
|
4.20%
|
up to 75%
|
£499
|
Call NatWest 0800 158 2940 Apply > |
Popular Buy to Let Mortgages - Simply call the numbers to speak directly to the lenders listed below!
|
Lender |
Mortgage Name |
Initial Rate |
Subsequent Rate |
The Overall Cost for Comparison is |
Loan to Value |
Fees |
Get Quote |
|
|---|---|---|---|---|---|---|---|---|
|
|
Barclays Buy-to-Let Lifetime Tracker Mortgage
|
3.89% (variable)
|
Tracks at 3.39% above Barclays Base Rate for Life
|
N/A
|
4.20%
|
60%
|
£1,999
|
|
|
|
RBS Buy to Let 2 Year Tracker Mortgage
|
4.19% (variable)
|
Fixed for 2 Years
|
4.0% (variable)
|
N/A
|
75%
|
£1,999
|
Call RBS 0800 068 7683 Apply > |
|
|
NatWest Buy to Let 2 Year Tracker Mortgage
|
4.49% (variable)
|
Fixed for 2 Years
|
4.5% (variable)
|
4.90%
|
75%
|
£1,999
|
Call NatWest 0800 158 2940 Apply > |
 |
Islamic Bank of Britain Buy-to-Let Mortgage
|
5.49% (variable)
|
Tracks at 4.99% above BoE Base rate for term
|
5.49% (variable)
|
5.49%
|
75%
|
1%
|
|
|
|
NatWest Buy to Let 2 Year Fixed Mortgage
|
5.59%
|
Fixed for 2 Years
|
4.5% (variable)
|
5.00%
|
75%
|
£999
|
Call NatWest 0800 158 2940 Apply > |
Your home may be repossessed if you do not keep up repayments on your mortgage.
The rates and products displayed within these tables are updated on a regular basis however due to the dynamic nature of the market some product details and rates may be out of date. We therefore do not take any responsibility for the accuracy of the information supplied within the table although we will always make our best endeavour to ensure that the information provided is as accurate as possible. You should always check rates and terms with the product provider.
The telephone-based mortgage advice service is provided by London & Country Mortgages Ltd., Beazer House, Lower Bristol Road, Bath, BA2 3BA. London & Country Mortgages Ltd are authorised and regulated by the Financial Services Authority. Their FSA number is 143002.
Latest Mortgage News 
-
Experts are weighing up the potential ramifications of a Greek exit from the Eurozone, with predictions leaning towards a rise in mortgage rates. ...Mon 21st May, 2012 -
There was a considerable rise in mortgage lending in March as the stamp duty holiday ended, reports the Council of Mortgage Lenders. The CML ...Wed 16th May, 2012 -
Millions of mortgage customers across the UK are facing higher mortgage repayments after lenders hiked interest rates, citing the rising cost of ...Mon 14th May, 2012 -
New buy-to-let lending for the first quarter of 2012 is up by a third on the same period in 2011, demonstrating its resilient place in the ...Thu 10th May, 2012 -
The recovery in housing market activity, spired by the Stamp Duty Holiday, came to an end in April, says the Royal Institute of Chartered ...Tue 8th May, 2012 -
A recovery in mortgage lending may have come to an end, now that the stamp holiday is over. Mortgage approvals in March reached 49,860, ...Thu 3rd May, 2012
Best Offset Mortgage Rates
If you are looking for the best offset mortgage rates available, you could spend hours trawling through page after page of confusing and sometimes misleading internet jargon. Or, alternatively, you could use our quick and easy to use tables and find the right deal for you in minutes.
With greater flexibility than other types of mortgages, offset mortgages can stand to save you money in the long run. Offset mortgages work by allowing you to offset your credit balances on some accounts against the debt balances on others. Meaning that if you have savings, you can use them to lower the amount of interest you pay on your mortgage.
This is why so many people in the UK are now applying for offset mortgages. But how do you know when you've found the best offset mortgage rates? With Which4U, you can be sure that you have. We only list the best offset mortgages available so that you can save as much money as possible. And with only the essential information on screen, you won't be confused by terms that other providers may use.
With greater flexibility than other types of mortgages, offset mortgages can stand to save you money in the long run. Offset mortgages work by allowing you to offset your credit balances on some accounts against the debt balances on others. Meaning that if you have savings, you can use them to lower the amount of interest you pay on your mortgage.
This is why so many people in the UK are now applying for offset mortgages. But how do you know when you've found the best offset mortgage rates? With Which4U, you can be sure that you have. We only list the best offset mortgages available so that you can save as much money as possible. And with only the essential information on screen, you won't be confused by terms that other providers may use.
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