Instead of receiving interest on your credit balances, you pay none on the equivalent amount of your mortgage.

• An attractive discounted rate of 4.35% variable for 3 months.
• Then our offset variable mortgage rate, currently 5.95% for the remainder of the term.
• The overall cost for comparison is 6.1% APR.
• If you're remortgaging, we'll pay our conveyancer's fees and refund the standard scheme 1 valuation fee on completion.
• The option to take up to two payment holidays a year. The amount of the skipped payment is simply added to what you owe, and your remaining payments increase slightly to cover it.
• Borrow from £25,001 - £1m - up to 95% of the value or purchase price of your property, whichever is lower (85% for loans over £500,000).
• Interest calculated on the basis of daily balances.
• Choose the term of your mortgage, from 3 years upwards (providing the loan is repaid by your 65th birthday).
• Choose your repayment type: repayment, interest only, or a combination of both.