Best Offset / Current Account / Flexible Mortgage deals

A UK offset mortgage or current account mortgage uses the balance in your everyday savings or cheque account to reduce what you owe on your mortgage on a daily basis.

Our selection of the best current account mortgage deals and the best offset mortgages available to John Charcol are displayed in our Best Buy table below.

Best Buys: Use our quick mortgage finder to compare mortgage rates

Provider	Mortgage Type	Initial Rate	Duration	Subsequent Rate	The overall cost for comparison	Early Repayment Charges
	Flexible/Offset/CAM	2.59%	until 31/05/2012	4.59% for 274 months	4.4% APR	31/05/2012	Enquire Fees
	Flexible/Offset/CAM	3.39%	2 years	3.99% for 276 months	4.1% APR	2 years	Enquire Fees
	Flexible/Offset/CAM	2.89%	2 years	3.99% for 276 months	4.0% APR	2 years	Enquire Fees
	Flexible/Offset/CAM	2.89%	25 years	-	3.1% APR	30/04/2013	Enquire Fees
	Flexible/Offset/CAM	2.99%	until 31/05/2012	4.59% for 274 months	4.5% APR	31/05/2012	Enquire Fees
	Flexible/Offset/CAM	3.3%	until 31/03/2012	4.74% for 276 months	4.7% APR	31/03/2012	Enquire Fees
	Flexible/Offset/CAM	3.75%	25 years	-	3.9% APR	No early repayment charge	Enquire Fees
	Flexible/Offset/CAM	3.69%	until 31/03/2012	5.95% for 276 months	5.8% APR	No early repayment charge	Enquire Fees
	Flexible/Offset/CAM	3.89%	until 28/02/2012	5.99% for 277 months	6.0% APR	28/02/2012	Enquire Fees
	Flexible/Offset/CAM	4.79%	until 31/03/2012	3.99% for 276 months	4.3% APR	31/03/2012	Enquire Fees
Mortgage comparison powered by Charcol

* For further information on true monthly cost and how our best buys are selected

Get a mortgage quote for free

Find a offset mortgage

Search below:

Get an independent mortgage quote

Free online mortgage search

Talk to an expert

Is a UK current account mortgage or offset mortgage right for you?

Ask a John Charcol expert:

Our experts will pick the right product with the best offset mortgage rate for your circumstances and pro-actively manage your application,

Find out more

Independent mortgage advice

Your initial consultation is obligation free. There will be a minimum fee for our service of £450, of which £150 is payable when you apply, and we will retain the commission from the lender. Alternatively, you can choose the fee only option which is typically 0.63% of the amount borrowed. The precise amount will depend on your circumstances and loan amount, and will be discussed and agreed before you make an application.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT

Web design agency - Liquid Light

John Charcol is a trading style of Towergate Financial (West) Ltd which is authorised and regulated by the Financial Services Authority. Registered in England No: 02292688.
Registered office: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN.
This site is only directed at persons within the UK. Calls may be recorded for training and monitoring. Max call charge from a BT landline is 3.9p per minute. Calls from other networks may vary.