Offset Remortgages

Offset Remortgages

Offset Remortgages - Offset remortgages are remortgages where the borrower may use a credit balance to offset their mortgage balance. One of the benefits of offset remortgages is that it may allow the borrower to decrease interest rate payments. As a primary reason for remortgaging is usually to save, this can increase the effect.

Offset remortgages can be especially beneficial too individuals who are able to save, as they may use their savings to offset interest on repayments. For example, if an individual has a remortgage with a value of £100 000 and savings of £20 000, they will only pay interest on the remaining £80 000.

Our advisers at Capital Fortune are experts in arranging offset remortgages. We are in contact with lenders from across the market. Using our comprehensive panel contact base, we acquire access to offset remortgages that may not be accessible on the open market. Capital Fortunee is an impartial and independent brokerage and we take a customer-first approach. We offer our clients a personalised service and use our contacts in order to tailor the most suitable offset remortgages to our clients' needs and requirements.

Call our mortgage broker team now on 020 3 216 2037 or complete the Mortgage Enquiry Online. As part of our service, we will call you back. 

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Residential - Remortgage - Best Offset Rates


LenderInitial
Rate
Mortgage
Type
For/Until Subsequent
Rate
The overall
cost for
comparison is
Early Repayment
Charge
Arrangement
Fee
Loan
to
Value
Details
Scottish Widows Bank Professional 2 Year Fixed £749 Fee Remortgage BAA1.19%FixedNov-20193.74%3.5%APRC30-Nov-2019 £74960%
Product Code: 001NES
Product Name: Professional 2 Year Fixed £749 Fee Remortgage
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.19
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 465.63
Monthly Payment After Initial Period: 606.64
Fees Total: 969.00
True Cost: 0.00
True Cost Over Initial Period: 12301.38
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 749.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: PREMO2066
Detail
Scottish Widows Bank Flexible 2 Year Fixed £749 Fee Remortgage BAA1.19%FixedNov-20193.74%3.4%APRC30-Nov-2019 £74960%
Product Code: 001NEW
Product Name: Flexible 2 Year Fixed £749 Fee Remortgage
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.19
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 3.74
Apr Lenders: 3.4
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 465.63
Monthly Payment After Initial Period: 606.64
Fees Total: 969.00
True Cost: 0.00
True Cost Over Initial Period: 12301.38
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 749.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 60
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: FREMO2067
Detail
Beverley BS 2 Year Discount £1895 Fee BBV1.28%Discount2 years 4.75%4.2%APRC2 years £189565%
Product Code: S83
Product Name: 2 Year Discount £1895 Fee
Lender Code: BBV
Lender Name: Beverley BS
Initial Pay Rate: 1.28
Mortgage Class: Discount
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 4.75
Apr Lenders: 4.2
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1436
Initial Monthly Payment: 475.00
Monthly Payment After Initial Period: 676.79
Fees Total: 2120.00
True Cost: 0.00
True Cost Over Initial Period: 11625.00
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1895.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 175.00
Deeds Release Fee: 25.00
Product Match Status: Available
MaxLoan Available: 750000.00
Legal Fee: 0.00
Detail
Barclays Bank Offset 2 Year Tracker £1499 Fee EMC Reward BWO1.29%Tracker2 years 3.74%3.5%APRC2 years £149980%
Product Code: S0Y
Product Name: Offset 2 Year Tracker £1499 Fee EMC Reward
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.29
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1436
Initial Monthly Payment: 474.02
Monthly Payment After Initial Period: 611.89
Fees Total: 1614.00
True Cost: 0.00
True Cost Over Initial Period: 11491.48
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 1499.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 0.00
Lender Product Reference: AX74
Detail
Coventry BS Offset 2 Year Fixed £999 Fee BCV1.39%FixedDec-20194.49%3.9%APRC31-Dec-2019 £99965%
Product Code: 6PO
Product Name: Offset 2 Year Fixed £999 Fee
Lender Code: BCV
Lender Name: Coventry BS
Initial Pay Rate: 1.39
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 27
Standard Variable Rate: 4.49
Apr Lenders: 3.9
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 477.69
Monthly Payment After Initial Period: 640.35
Fees Total: 1132.00
True Cost: 0.00
True Cost Over Initial Period: 13030.63
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 999.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 8
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 125.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: OFN29
Detail
Accord Intermediary Offset 2 Year Fixed £995 Fee ACC1.52%FixedDec-20195.34%4.8%APRC31-Dec-2019 £99565%
Product Code: 00169G
Product Name: Intermediary Offset 2 Year Fixed £995 Fee
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 1.52
Mortgage Class: Fixed
Initial Rate Period: Dec-2019
Initial Rate Period Months: 27
Standard Variable Rate: 5.34
Apr Lenders: 4.8
Early Repayment Charge Applies Until: 31-Dec-2019
Early Repayment Charge Period Sort Field: 1439
Initial Monthly Payment: 485.04
Monthly Payment After Initial Period: 708.81
Fees Total: 1115.00
True Cost: 0.00
True Cost Over Initial Period: 13216.08
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 30
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 3000000.00
Legal Fee: 117.50
Lender Product Reference: 46192
Detail
Barclays Bank Offset 2 Year Tracker £899 Fee EMC Reward BWO1.59%Tracker2 years 3.74%3.5%APRC2 years £89980%
Product Code: 002D18
Product Name: Offset 2 Year Tracker £899 Fee EMC Reward
Lender Code: BWO
Lender Name: Barclays Bank
Initial Pay Rate: 1.59
Mortgage Class: Tracker
Initial Rate Period: 2 years
Initial Rate Period Months: 24
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 2 years
Early Repayment Charge Period Sort Field: 1418
Initial Monthly Payment: 488.65
Monthly Payment After Initial Period: 610.48
Fees Total: 1014.00
True Cost: 0.00
True Cost Over Initial Period: 11842.60
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 899.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 35
Max LTV Available: 80
Product Type: Residential
Mortgage Discharge Fee: 80.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 2000000.00
Legal Fee: 0.00
Lender Product Reference: AX75
Detail
Accord Intermediary Offset 2 Year Fixed £995 Fee Product Transfer ACC1.66%FixedJan-20205.34%4.7%APRC31-Jan-2020 £99565%
Product Code: L18
Product Name: Intermediary Offset 2 Year Fixed £995 Fee Product Transfer
Product Availability: Intermediaries Only
Lender Code: ACC
Lender Name: Accord
Initial Pay Rate: 1.66
Mortgage Class: Fixed
Initial Rate Period: Jan-2020
Initial Rate Period Months: 28
Standard Variable Rate: 5.34
Apr Lenders: 4.7
Early Repayment Charge Applies Until: 31-Jan-2020
Early Repayment Charge Period Sort Field: 1440
Initial Monthly Payment: 493.05
Monthly Payment After Initial Period: 708.98
Fees Total: 1085.00
True Cost: 0.00
True Cost Over Initial Period: 13895.40
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 995.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
Max LTV Available: 65
Product Type: Residential
Mortgage Discharge Fee: 90.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 5000000.00
Legal Fee: 0.00
Lender Product Reference: 46358
Detail
Scottish Widows Bank Professional 2 Year Fixed No Fee Remortgage BAA1.69%FixedNov-20193.74%3.5%APRC30-Nov-2019 £075%
Product Code: 0015YB
Product Name: Professional 2 Year Fixed No Fee Remortgage
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 490.81
Monthly Payment After Initial Period: 605.77
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 12956.06
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: PREMO2051
Detail
Scottish Widows Bank Flexible 2 Year Fixed No Fee Remortgage BAA1.69%FixedNov-20193.74%3.5%APRC30-Nov-2019 £075%
Product Code: 0015YL
Product Name: Flexible 2 Year Fixed No Fee Remortgage
Product Availability: Intermediaries Only
Lender Code: BAA
Lender Name: Scottish Widows Bank
Initial Pay Rate: 1.69
Mortgage Class: Fixed
Initial Rate Period: Nov-2019
Initial Rate Period Months: 26
Standard Variable Rate: 3.74
Apr Lenders: 3.5
Early Repayment Charge Applies Until: 30-Nov-2019
Early Repayment Charge Period Sort Field: 1438
Initial Monthly Payment: 490.81
Monthly Payment After Initial Period: 605.77
Fees Total: 220.00
True Cost: 0.00
True Cost Over Initial Period: 12956.06
Cashback: 0.00
Valuation Fee: 0.00
Arrangement Fee: 0.00
Booking Fee: 0.00
Higher Lending Charge: 0.00
CHAPS Fee: 25
Max LTV Available: 75
Product Type: Residential
Mortgage Discharge Fee: 195.00
Deeds Release Fee: 0.00
Product Match Status: Available
MaxLoan Available: 1000000.00
Legal Fee: 0.00
Lender Product Reference: FREMO2052
Detail

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search: Reason for Mortgage: Remortgage; Property Valuation: £200000; Mortgage Amount: £120000; Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: Yes Product Term Period From: 0 Months; Product Term Period To: 300 Months; . For a more accurate quotation please use our Quick Mortgage Quote facility.

Mortgage product availability is subject to status and availability.

Although great care is taken to ensure that product details are as accurate as possible no liability can be accepted for errors or omissions. To confirm details and availability of any product please click the “Do I Qualify” button.