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All our mortgages
Remortgaging Home purchase Existing customers moving home

Update your client's details to find a suitable mortgage.

Property value  £      Mortgage amount  £     

Our Offset Mortgages

Offset Tracker Mortgages

These flexible offset mortgages 'track' the Bank of England's base rate. They go up or down, depending on changes in the Bank's base rate.


Your clients can borrow up to a maximum of 90% of the value or purchase price of their property, whichever is the lower. Show all loan-to-value tiers. However different lending limits will apply depending on their choice of mortgage. Find out more about lending limits
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 500 until 1 September 2011 (B.o.E + 1.49%) 60%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £1999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 60 until 1 September 2013 (B.o.E + 1.19%) 60%
LTV		 6.19% currently
Tracks 1.19% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.0%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 60 until 1 September 2011 (B.o.E + 1.29%) 60%
LTV		 6.29% currently
Tracks 1.29% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 1 million until 1 September 2011 (B.o.E + 1.49%) 60%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £3999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 2 million until 1 September 2011 (B.o.E + 1.74%) 75%
LTV		 6.74% currently
Tracks 1.74% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £9999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 75 until 1 September 2013 (B.o.E + 1.39%) 75%
LTV		 6.39% currently
Tracks 1.39% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 75 until 1 September 2011 (B.o.E + 1.49%) 75%
LTV		 6.49% currently
Tracks 1.49% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 1 million until 1 September 2011 (B.o.E + 1.69%) 80%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £4499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 500 until 1 September 2011 (B.o.E + 1.59%) 85%
LTV		 6.59% currently
Tracks 1.59% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.1%
APR
Quote/Apply
Arrangement fee: £2499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset tracker 90 until 1 September 2011 (B.o.E + 1.69%) 90%
LTV		 6.69% currently
Tracks 1.69% above the BoE's base rate until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset tracker 90 until 1 September 2013 (B.o.E + 1.59%) 90%
LTV		 6.59% currently
Tracks 1.59% above the BoE's base rate until 01.09.13		 7.00% currently
(our offset variable mortgage rate)		 7.2%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Offset Fixed Rate Mortgages

With our fixed rate mortgage, your client has the assurance of knowing their interest rate will stay the same for a set period.

Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 60 until 1 September 2011 60%
LTV		 6.99%
fixed until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 75 until 1 September 2011 75%
LTV		 7.09%
fixed until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.3%
APR
Quote/Apply
Arrangement fee: £999  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 01.09.10  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 90 until 1 September 2011 90%
LTV		 7.19%
fixed until 01.09.11		 7.00% currently
(our offset variable mortgage rate)		 7.4%
APR
Quote/Apply
Arrangement fee: £1499  |  Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption]  |   Non-refundable valuation fee  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

(on loans between £100,000 & £500,000)

Your home may be repossessed if you do not keep up repayments on your mortgage.
Case tracking has arrived

Track the status of all your current applications with our new case tracking tool.
Offset Mortgage Calculator

Our Offset Mortgage Calculator can show you how your clients can benefit from offsetting.
Speak to us on
0845 601 4343
if your client is an existing Intelligent Finance mortgage customer moving home or would like to borrow over £1,000,000
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