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Mortgage & Equity Release - Call Us 0117 403 4474

What is your mortgage for?

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2.44% Lifetime Tracker 

  • Maximum LTV 80%
  • Overall cost for comparison 2.5% APRC

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

1.22% 2 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 3.30%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 2 years after which reverts to NatWest variable rate of 3.59%.

Call RBS on 0800 068 7706

1.37% 5 Year Fixed 

  • 60% LTV
  • Overall cost for comparison 2.80%
  • Interest only option

Representative Example: 

Mortgage of £100,000 on property valued at £200,000 over term of 25 years.

Rate fixed for 5 years after which reverts to NatWest variable rate of 3.59%.

Call NatWest FREE on 0800 068 8567

3.60% 2 Year Fixed 

  • 90% Loan To Value
  • Overall cost for comparison 3.60%

Representative Example:Mortgage of £100,000 on property valued at £200,000 over term of 25 years. Rate fixed for 2 years after which reverts to the variable rate of 3.59%.

Call us on 0800 068 8567

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.23%
Rate type: Fixed Jun-2023
Monthly cost: £584.92 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.23% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £584.92 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.24%
Rate type: Fixed Jun-2023
Monthly cost: £585.61 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.24% Fixed Jun-2023 3.3% APRC 60% £1025.00 £350 cashback £585.61 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.28%
Rate type: Fixed Jun-2026
Monthly cost: £588.40 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.28% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £588.40 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.29%
Rate type: Fixed Jun-2026
Monthly cost: £589.10 per month
Max LTV: 60%
Product fee: £1025.00
Overall cost for comparison: 2.8% APRC
NatWest logo 1.29% Fixed Jun-2026 2.8% APRC 60% £1025.00 £250 cashback £589.10 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.35%
Rate type: Fixed Jul-2026
Monthly cost: £593.30 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.1% APRC
Virgin Money logo 1.35% Fixed Jul-2026 3.1% APRC 65% £1300.00 £300 cashback £593.30 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.68%
Rate type: Fixed Jul-2026
Monthly cost: £612.67 per month
Max LTV: 65%
Product fee: £305.00
Overall cost for comparison: 3.2% APRC
Virgin Money logo 1.68% Fixed Jul-2026 3.2% APRC 65% £305.00 £612.67 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.74%
Rate type: Fixed Jul-2026
Monthly cost: £621.06 per month
Max LTV: 75%
Product fee: £1300.00
Overall cost for comparison: 3.3% APRC
Virgin Money logo 1.74% Fixed Jul-2026 3.3% APRC 75% £1300.00 £1000 cashback £621.06 per month get quotes Call direct0330 057 1528 More details
Initial rate: 1.83%
Rate type: Fixed Jun-2023
Monthly cost: £623.44 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.83% Fixed Jun-2023 3.3% APRC 60% £30.00 £623.44 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.98%
Rate type: Fixed Jun-2026
Monthly cost: £634.32 per month
Max LTV: 60%
Product fee: £30.00
Overall cost for comparison: 3% APRC
NatWest logo 1.98% Fixed Jun-2026 3% APRC 60% £30.00 £634.32 per month get quotes Call direct0800 068 8567 More details
Initial rate: 1.99%
Rate type: Fixed Jul-2023
Monthly cost: £639.26 per month
Max LTV: 65%
Product fee: £1300.00
Overall cost for comparison: 3.9% APRC
Virgin Money logo 1.99% Fixed Jul-2023 3.9% APRC 65% £1300.00 £300 cashback £639.26 per month get quotes Call direct0330 057 1528 More details
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

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

Offset Mortgage Providers

Offset Mortgage Service - helping you make the right decision

Special features of what we offer include:

  • Whole of market service - we work with leading UK mortgage lenders who provide offset mortgage products
  • Access to leading market mortgage rates
  • Access to exclusive loan deals not available on high street
  • Fast turnaround - speak to us today if you need to move quickly
  • We have lenders who will take into account previous defaults and missed payments 
  • Looking to raise additional finance on top of your existing mortgage or buy to let mortgage? - we have access to a range of finance solutions

To compare your mortgage options call our mortgage team on 0117 313 7780 or fill in our call back form.

Offset mortgages are becoming an increasingly popular choice among borrowers as a way to finance their property purchase. If you are interested in one you may be wondering what offset mortgage providers might be able to offer you a mortgage.

To help you find out what offset mortgages you might be eligible for you could use the Fair Mortgages comparison tool.

To use the Fair Mortgages calculator you just need to enter the relevant information such as deposit and property value then select ‘Offset Rates’ in the drop down box that asks for mortgage type. You will then be shown a selection of offerings from different offset mortgage providers so you can see their different fees and features, which may help you decide if there is an offset mortgage which is the right plan for you.

How offset mortgages work

Essentially an offset mortgage links your savings, and with some products your current account, to your mortgage. This means you will no longer earn interest directly on your savings, instead they will ‘offset’ your mortgage so you pay less interest on it. Which can help to reduce the length of time it takes to repay or it can lower your monthly payments. 

So if you had a mortgage for £120,000 and savings totalling £20,000 your mortgage would be offset by £20,000 so you only pay interest for £100,000. In this case however with many mortgages your payments would be based on the full loan size so you would in essence make an overpayment each month meaning you pay your mortgage off more quickly in addition to paying less interest. 

Reasons you may wish to consider an offset mortgage

Offset mortgages have a few potential advantages, as mortgage rates are often higher than interest rates offered by easy access savings accounts you could get a better return in effect due to the reduction in how much you would need to pay monthly on your mortgage. 

Many offset mortgage still permit you easy access to your savings account, so you can access your savings easily if you need them in future, they would be more difficult to access if you however put down a larger deposit or used them to make an overpayment.

If you are considering an offset mortgage many lenders will require you to down a minimum deposit of 25%, you may also want look into what interest rates you could secure if you used your savings to put down a larger deposit on a fixed or tracker mortgage. 

If you are currently in the market for an offset mortgage you may find the help of a professional mortgage intermediary beneficial, if you want to find out more about getting an offset mortgage, or other types of mortgage, you can fill in the online contact form on this website to request a call back from a Fair Mortgages Adviser who can provide a free initial conversation about mortgages. 

Alternatively you can call us directly on: 0117 313 7780

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