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

There may be a fee. If we charge a fee for sourcing and arranging a mortgage a minimum of £250, or between 0.25% and 1% of the loan amount if greater, and will be payable at offer. Typically this will be £250. We will also receive commission from the lender.

An offset mortgage enables you to use your savings to reduce your mortgage balance and the interest you pay on it.

For example, if you borrowed £200,000, but had £50,000 in savings, you would only be paying interest on £150,000.

Offset mortgages are generally more expensive than standard deals, but can reduce your monthly payments, whilst still giving you access to savings.