Offset Mortgages Tips

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Tips - Offset Mortgages

  • Only consider an offset mortgage if you can be sure of keeping a large amount of cash in your savings account. Without savings, offset mortgages are usually not competitive with other mortgages on the market.

  • Offset mortgages tend to be restricted to variable interest rates, which may put some borrowers off.

  • The interest earned on savings linked to offset mortgages is not taxed.

  • Offset mortgages are most attractive to the wealthy in the higher tax bracket and those who can expect to receive large bonuses that they will not spend straight away. The self-employed can also benefit from the tax advantages of offset mortgages.

  • Offset mortgages are very flexible as they allow you to under or overpay the mortgage.

  • In the past, interest rates for offset mortgages were higher than those available for standard mortgages - but this is changing fast as offset mortgages become more popular.

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