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Flexible Offset Mortgages

Take control with a Flexible Offset Mortgage


Our Flexible Offset Mortgages gives you added freedom – and a great long-term deal. It allows you to offset your savings against your mortgage. So the more money there is in your savings pot, the less interest you’ll be charged, allowing you to pay off your mortgage earlier. Find out how much you could borrow with our online mortgage calculator or view our current Flexible Mortgages deals.

  • Why choose a Flexible Offset Mortgage?
  • How much could you borrow?
  • Other ways to apply
Flexible deals

Why choose a Flexible Offset Mortgage?

  • Freedom - overpay when you choose so you pay less interest over the mortgage term, then underpay or take a payment holiday whenever you need
  • Savings - offset your savings against your mortgage and cut the interest you pay over the term of your mortgage
  • Reduced payments – our Flexible Offset Mortgages track the Bank of England base rate so you benefit from lower monthly repayments if this rate reduces, but remember it may also go up
  • Long term - added flexibility means you needn’t look for a new deal every few years
  • Extra borrowing - borrow additional money in the future, at the same rate as your mortgage up to an agreed limit
  • Benefit packages - available on some of our Flexible Offset Mortgages, these include a free basic valuation, and standard legal fees paid for remortgaging or £250 cashback if you’re moving home – early repayment charges will apply
  • Risk - you need to be comfortable with repayments that could rise as well as fall

 

Mortgage repayment options

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How much could you borrow?

Visit our quick, easy mortgage calculator to work out how much you could borrow and whether it’s affordable

 

Applying for a Flexible Offset Mortgage

 

If you are looking to get your first mortgage with us. One of our Mortgage Advisers will get back to you at a time you choose to discuss your options and answer any queries.

 

If you’ve already found a property, we can talk you through the full mortgage application and get you quickly on your way to owning your dream home.

 

If you’re an existing mortgage customer click here

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Other ways to apply

Phone us on 0800 023 2761 or call in to any Santander branch. You can find your nearest one using our branch finder. Remember, you'll need to bring some proof of your name and address. See a list of acceptable ID.

 

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

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