How do you know that you’re getting a good deal when you compare offset mortgage deals? One way is to look at the best buy tables and see what comes out at the top. When we came to compare offset mortgage products with others on the market, three of the top five deals were offset mortgages. These offered annual percentage rates (APRs) of between 5.98 per cent and 6.39 per cent, which compared well with the fixed rate best buys. Although the perception is that offset mortgages may cost more, when you compare offset mortgage deals, this is not always true.

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