Vinesh

Do only Northern Rock and IF offer the above or do high street lenders offer off-set mortgages.

chinnybloke

I've got a VirginOne account which is now owned 100% by Royal Bank of Scotland. Its the same sort of thing but seems to be the most flexible. I've saved a fortune with it in interest and will pay my mortgage off years early.

I'd 100% recommend it.

Vinesh

Is VirginOne only available on the net or high street as well?

Tiggs

virgin not the cheapest...but richard branson has nice jumpers.

fast bloke

woolwich offer 'openplan offset'

BOE BTR + .75%

There are others but woolwich and virgin one are the most competitive. IMHO Woolwich are by far the best as they will underwrite a cash reserve up to 4* salary or 90% LTV so you never need a personal loan again.

BTW - Unless you plan to have 15% of your mortgage amount in current/savings account, you would be better to go for a straight discount deal

beemerboy

FB, its a bit late in the night to start talking %ages mate!!!

i can just about focus on the words.....LOL

BB

Timmy Tato

Natwest have one called "Natwest One" but it's simply a rebranded Virgin One account as they're both owned by RBS.
Tim

MarkO

Our BoS 'Personal Choice' allows us to make over-payments whenever we like, and draw down cash whenever we want too, so although we manage it ourselves, effectively it gives us the offsetting capability. 4.75% tracker, too - which is nice.

kevin stanton

barclays openplan

corradoboy

Yorkshire Bank Flexible Current Account Mortgage for us.
Salary must be paid in, runs like a big fat overdraft charged at mortgage interest rates +abit.
If were careful with our spending we should clear £50k in 4yrs, with a joint income of around £35k. Interest saved is enormous, shudder when I think what we could've been paying.
Best bit is, you can spend the difference between what you would've paid on a 25yr plan, and what you've actually paid.
My idea is to clear the 1st £18k, and then right a cheque for a new Scooby (when the Euro recovers???).

DanTheMan

First Direct do a one account, just set one up and set to save thousands