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    Offset Mortgages

    Hi, I am looking to change my mortgage as my current tracker deal is about to run out. We have some savings so I am thinking offset may be a good idea. My financial advisor hasn't really come back to me on this and I am wondering if it's because he won't make much commission??!! Does anyone have any advice on offset and any good deals? Mortgage of £262k with savings around £40k. Thanks, Kate

    2 Comments

    Have a look on firstdirect.com -they currently have a fee free remortgage offer on offset mortgages.

    im with virgin one - would recommend loads! Mortgage rate dependant on how much equity in house. The more = lower interest rate. Only ever collect the interest - left over reduces the mortgage. Excellent if you have money left each month. Ive repaid nearly 30K in just under 6yrs. Have to be good with money though!
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