An offset mortgage could help you save money on your mortgage by putting your savings to work for you. An offset mortgage allows you to offset credit balances against debt so that you pay less interest. You may even be able to pay off your mortgage early. Offset mortgages are like flexible mortgages, though you may pay more for the increased flexibility they offer. The slightly higher interest rate is balanced against the ability to overpay, underpay and take payment holidays to fit in with your financial needs and that’s why many self employed people love the offset mortgage option.

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