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	Total Monthly Cost *	Early Repayment Charges
	Flexible/Offset/CAM	2.59% until 31/05/2012	4.59% for 274 months	4.4% APR	£736.51	31/05/2012	Enquire Fees
	Flexible/Offset/CAM	2.89 % for 2 years	3.99% for 276 months	4.0% APR	£755.37	2 years	Enquire Fees
	Flexible/Offset/CAM	2.89 % for 25 years	-	3.1% APR	£755.87	30/04/2013	Enquire Fees
	Flexible/Offset/CAM	2.99% until 31/05/2012	4.59% for 274 months	4.5% APR	£764.41	31/05/2012	Enquire Fees
	Flexible/Offset/CAM	3.3% until 31/03/2012	4.74% for 276 months	4.7% APR	£769.86	31/03/2012	Enquire Fees
Mortgage comparison powered by Charcol

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

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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

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