When it comes to offset mortgages, the word cheap must be met with some caution. A cheap offset mortgage may be great for you, but cheap does not mean good. A cheap offset mortgage is a deal where your monthly repayments are low – but is that enough? At first glance the answer would obviously be yes, a offset buy is exactly what you want. But a good offset mortgage must be much more than a cheap offset mortgage – it must be the right mortgage for you. So before saying yes to the cheap option, think hard about what you really want.

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