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Find an Offset mortgage

Enter a value between £1 and £1,000,000 Enter a value between £1 and £250,000 Enter a value between £25,001 - £1,000,000 The mortgage amount can not exceed the property value
Enter a value between £1 and £99,999,999

Your home may be repossessed if you do not keep up repayments on your mortgage.

Our Offset 

An Offset mortgage links your savings account to your mortgage.

It means you're only charged interest on the difference between your mortgage and your savings balance. We call this the Offset benefit - you can use it to reduce your term or reduce your monthly payment.

Why choose us?

  • One savings account/one mortgage account - we keep things simple
  • Easy access to your savings
  • Save as much or as little as you like

Winner - best Offset mortgage lender

Customers have voted us the best Offset mortgage lender in the UK at the What Mortgage Awards 2016. 

Offset mortgages - help

How does an Offset mortgage work?

An Offset mortgage links your Offset savings to your mortgage...

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How can I use my Offset benefit?

You can use the Offset benefit you save in two different ways...

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What if my Offset savings balance is larger than my mortgage?

You won’t receive any Offset benefit on the excess amount...

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What happens if I have no money in my Offset savings account?

You won’t receive any Offset benefit...

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Do Offset savings count towards my Personal Savings Allowance?

No, because we don't pay interest on the savings. And there's no income tax liability either.

Read more

Want to know more about Offset?

Read our Offset guide to find out more about how Offset mortgages work.

Offset guide

Peace of mind

Are your mortgage payments covered if you can't work?

If you're moving home, switching your mortgage or moving your mortgage to us from another lender, it's a good time to review your insurance cover. 

How much can I borrow? Try our affordability calculator

Find out how much you could borrow with one of our mortgages. It will take about 10 minutes to complete and you’ll need the following information:

Your income for the last three years (regular salary/wages, bonuses, overtime, allowances).

Any credit commitments you have (Loans/student loans, pension payments, credit and store cards, family commitments; school fees, child maintenance, child care).

The calculator is not an offer to lend.

Ready to get started? Choose the number of applicants below


Offset Mortgage Calculator

Use our Offset calculator to see if you could benefit from an Offset mortgage.
It's an illustration and not a mortgage offer.

If you'd like to know more, call us on 0800 121 6263.

Quickly find out how much you can borrow and how the Offset benefit works. 

Enter a value between £1 and £9,999,999 for Expected property purchase price or valuation.
Enter a value between £1 and £1,000,000. The amount you'd like to borrow can not be more than the property value. Please try again.
We do not have any mortgages available based on the information you have entered. Please try again. Please select a mortgage type.
Please enter a value between £0 and £1,000,000.
Please enter a value between £0 and £1,000,000.

You could reduce your mortgage term to

{{termReductionYears}} years {{termReductionMonths}} months

Your total savings: £{{calculatedTotalSavings}}
Your monthly savings: £{{calculatedMonthlySavings}}

Unfortunately we're unable to complete your request at this time. Please try again or call us on
0800 121 6263
Our Customer Service Centre is open Monday to Friday 8am-8pm, Saturday 9am-5pm and Sunday 10am-4pm.


This example is based on the figures you have provided, but makes the following assumptions.
The mortgage is advanced on the 1st of the month.
No fees or costs associated with arranging or redeeming the mortgage have been taken into account.
The initial deposit is credited to your account at the time the mortgage is advanced.
The regular deposit is credited to your account at the end of the month.
You make no withdrawals throughout the term of the mortgage and your regular monthly deposit does not vary.

Your home may be repossessed if you do not keep up repayments on your mortgage.

How to apply

Talk to an advisor

Find out more

Call us on
0800 121 8899

What you'll need

Find out more