Our offset mortgages

Key flexible features of our offset mortgages include:

• No limit on the amount your client can offset.

For all remortgages we will pay our own legal fees.

• Loan-to-value - You can borrow up to a maximum of 90% of the value or purchase price of your client's property, whichever is the lower. Show all loan-to-value tiers
• Depending on your clients remortgage choice, we will also refund the standard valuation fee. If we do so, a contribution of £330 will need to be repaid if your clients redeem their mortgage on or before 01.09.10
• Lending limits - You can borrow from £25,001 to £5 million, however different lending limits will apply depending on your choice of mortgage. Find out more about lending limits
• We only accept remortgage applications if your clients have owned their property for at least 6 months.

View all features below

Offset Tracker Mortgages

With our offset tracker rate mortgages, your client's interest rate tracks the Bank of England's (B.o.E) base rate for a set period, and they can choose to offset their Intelligent Finance savings and / or current account.

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.

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

• Offsetting - gives your client the option to link their mortgage to their savings and/or current account balances and instead of receiving interest on the savings and/or current account balances, they pay none on the equivalent amount of the mortgage.
• Mortgage Payment Options - If you choose to minimise interest paid on your mortgage, you can choose between 3 ways of receiving the benefit of offsetting, and swap between them at any time. You can choose between Shorter Term, Lower Payments and Reduced Debt
• Unlimited offset - we don't restrict how much money your client can use to offset against their mortgage.
• Overpayments - your client can make unrestricted overpayments and reborrow these (not within the last 3 years of the mortgage). Bear in mind that if your client repays their mortgage in full within a special rate period, early repayment charges may apply.
• Additional borrowing - your client can release money tied up in their home, based on their income and house value.
• Payment holidays - your client can take up to 2 monthly payment holidays each calendar year (not in the first 6 months or last 3 years of the mortgage or during the fixed or discounted period). We still charge interest, which, along with missed payments, is added to the loan and your client's monthly payments are recalculated to cover it.
• Interest calculated on the basis of daily balances - to give your client a consistently good deal.
• Portable - your client can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period.
• Choose the repayment type - repayment, interest-only, or a combination of both.
• Choose the term of the mortgage - from 5 years upwards (providing the loan is repaid by your 65th birthday).

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