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

A fee of between £200 and £1,250 (with half payable as a non-refundable fact finding and research fee and half payable upon receipt of a formal mortgage offer). The total fee will be based on your personal circumstances, credit history and the complexity of your case. We will of course provide you with written confirmation of your fee prior to the commencement of any chargeable activity. 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.