Update on our lending policies : In our response to COVID-19, for the time being we are currently unable to accept applications on properties in Northern Ireland and properties valued at more than £2 million. Click here to see the full list of details.
If you are unclear what something means, our Mortgage glossary can help.
Protecting your money: Deposits in the savings element of your Offset mortgage are covered by the Financial Services Compensation Scheme (FSCS), up to a total of £85,000 of the total deposits held with the following: Yorkshire Building Society, Barnsley Building Society, Chelsea Building Society, Norwich & Peterborough Building Society and Egg. Please refer to the FSCS information sheet (105 KB) or here for more information.
Early Repayment Charges apply during the fixed/tracker rate period. Other fees and charges apply.
Fix your interest rate, so it won't change over a set period of time, regardless of what is happening to interest rates elsewhere.
Mortgages that follow the Bank of England Base Rate - you could save money while the Base Rate remains low but your payments could also go up.
The diagram below might help explain how offset mortgages work in conjunction with your savings.
Try our offset calculator to see how you could save money and pay off your mortgage sooner.
Takes approximately 2 minutes to complete
Use our borrowing calculator to get an estimate of how much we could lend to you.
Takes approximately 5 minutes to complete
9am - 5pm: Mon to Fri
9am - 1pm: Sat