Offset Flexible Mortgage
A flexible mortgage that allows you to overpay, underpay, take payment holidays* and offset eligible current and savings account balances to help you repay your mortgage early. Business accounts can also be used in certain circumstances. Please note: interest will continue to accrue during any period of underpayment.
» Flexible borrowing and added benefits
Find out more about how an offset flexible mortgage can help you.
More information
Benefits, rate and a typical example
Offset demonstration
See how offset banking works.
Offset calculator
How much could you save with offset banking?
Common questions
Answers to frequently asked questions
Apply now
 | Please make sure you read the important legal information before proceeding with your secure application.  Apply online Online agreement in principle |
Call us
Call us on 08000 969 527. Minicom 0800 917 0789.
Monday to Friday 8am-8pm, weekends 10am-4pm (excluding public holidays).
Ask us to call you
Use our free Call-Back Service
Available Monday to Friday 8am-8pm or weekends and bank holidays 10am-4pm.
* Taking a payment holiday may affect the level of your later payments.
Ways to apply
Call us on
08000 969 527
Minicom
0800 917 0789
Monday to Friday 8am-8pm
weekends 10am-4pm
(excluding public holidays)
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Why choose us?
We've won 'Best Bank' for Mortgages* a record 14 times in the last 18 years - more than any other lender!
*Your Mortgage magazine.