Offset Remortgages
Latest Deal - NatWest 2 Year Fixed »
Call FREE - 0800 158 2934
- £250 CASHBACK
- 2 Year Fixed up to 60% LTV Deal »
- Call FREE - 0800 158 2934
Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.
Offset remortgages are mortgages where you offset the amount you owe with your savings, to either reduce the amount you pay each month, or reduce the mortgage term. Call our independent mortgage team on 0117 332 6063.
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
|---|---|---|---|---|---|---|
 £250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 158 2934 | Fixed | 1.83% Reverts to 3.99% | 2 Years | 75% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 096 7447 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
 £400 CASHBACK Call FREE on 0808 178 6813 | Fixed | 1.98% Reverts to 4.74% | 2 Years | 75% | No | More Info > |
| £400 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 2.00% Reverts to 3.99% | 5 Years | 75% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 096 7447 | Tracker | 2.04% Reverts to 3.99% | 2 Years | 70% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 096 7447 | Tracker | 2.07% Reverts to 3.99% | 2 Years | 75% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 2.36% Reverts to 3.99% | 5 Years | 85% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 077 4336 | Fixed | 2.49% Reverts to 3.94% | 10 Years | 60% | No | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.00% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 2.99% Reverts to 3.94% | 10 Years | 80% | No | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Representative Example:
A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.
The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).
In this example the overall cost for comparison is 3.7% APRC representative.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Offset remortgages are a popular option these days, and with a range of flexible deals available, it is worth comparing all the available offers before making up your mind. Offset remortgages are often portable so that if you move, your mortgage can be moved without incurring any extra fees.
Other benefits of offset remortgages can include:
-
Overpayments - either in lump sums or as regular overpayments
-
Underpayment or payment holidays
-
Variable rates
Fees such as deeds and discharge fees can apply with some mortgage providers, so make sure you are aware of all the costs involved. You can use our simple form to get further advice about offset remortgages and to find out which deal is best for you. An expert will also be able to discuss other types of remortgage deals with you, such as flexible, fixed rate and tracker remortgages.
| Mortgage Service | Independent Mortgage Advice | Mortgage Quotes Tailored to you | Fast Track Service | Mortgage Protection Review | Get Quotes |
|---|---|---|---|---|---|
 |  | | | | More Info > |
Call 0117 332 6063 to speak to the Fair Mortgages team. |
|||||
Top 5 Mortgage Deals
Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
|---|---|---|---|---|---|---|
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 1.69% Reverts to 3.94% | 3 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 158 2934 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Representative Example:
A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.
The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).
In this example the overall cost for comparison is 3.7% APRC representative.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker
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