The Best Offset Mortgage UK Award Winners
With the award for best offset mortgage UK providers have come to the forefront. There are several magazines and institutions who provide awards for the best mortgage lenders UK consumers will be glad to know. These include a number of industry publications such as What Mortgage Magazine, Mortgage Strategy and other trade publications. So when it comes to the best offset mortgage UK consumers have a lot to choose from, but there are a few lenders that consistently win awards for their mortgage provision. Here are three of the best offset mortgage UK winners, with a round up of some of their current offset mortgage deals.
Intelligent Finance Offset Mortgage Deals
With the award for the best offset mortgage UK lender Intelligent Finance has been a consistent winner. This includes awards from Your Mortgage magazine, Moneywise and Financial Adviser Mortgage Awards. This best offset mortgage UK provider has a range of deals for consumers to choose from. These include fixed rate and tracker offset mortgages. Intelligent Finance has nine offset tracker mortgage deals and two fixed rate offset mortgages. The annual percentage rates (APRs) for these offset mortgage deals are between 5.89 per cent and 6.09 per cent. Arrangement fees for these deals are between £999 and £1,499. Some of the deals feature early redemption charges at 3 per cent of any special rate that might apply. The deals from this best offset mortgage UK winner are portable and allow unlimited overpayments, as well as payment holidays.
Scottish Widows Offset Mortgages
Another best offset mortgage UK winner has been Scottish Widows, which has won several awards from Gold Standard Awards, including Gold Standard for Mortgages. This best offset mortgage UK lender provides sixteen offset mortgage deals, including eleven fixed rate offset mortgages and five tracker offset deals. The tracker mortgages from this best offset mortgage UK winner are available at a maximum loan to value of 95 per cent, with a higher lending charge on mortgages over 75 per cent. The APRs are between 5.75 per cent and 6.79 per cent, depending on whether the fee assisted or standard offset tracker is chosen. The fixed rate deals from this best offset mortgage UK provider are at an APR of behind 5.9 and 6.82 per cent, with early repayment charges on all the deals on a sliding scale. *
First Direct Offset Mortgages
The third best offset mortgage UK winner is First Direct, one of the UK's most popular lenders. The lender has won awards from Your Money, What Mortgage and others. This best offset mortgage UK winner has flexible mortgages which feature overpayments, underpayments (subject to conditions) and additional borrowing. The mortgage offset range includes four fixed rate deals at APRs of between 6.5 per cent and 6.8 per cent. These are for periods of between two and ten years, and borrowers can swap to another fixed rate at the end of the initial term. Arrangement fees and booking fees apply. This best offset mortgage UK winner also offers a mortgage offset deal at its standard tracker rate which is currently 0.95 per cent above the Bank of England base rate. (First Direct website)
Although we are happy to discuss mortgages from First Direct The Offset Mortgage Centre cannot arrange their mortgages.
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