Rising inflation coupled with a historically low base rate of 0.5 per cent has left consumers with very few opportunities to gain any real return on their savings – but for those savers who also have a mortgage, now could prove the perfect time to consider switching to an offset mortgage deal as a way [...]

New research from Scottish Widows reveals that Brits who worry about their finances spend an incredible 11 hours a week doing so – but with an offset loan all those worries could disappear.
People are fretting for more than a working day each week – or 24 whole days a year. They are worrying about being [...]

Many savings rates have tumbled over the last few months as lenders try and offer cheaper mortgages – with an offset you can have the best of both worlds.
At the moment, in order to maintain their balance sheets, banks can either offer competitive mortgage or saving deals, not both. And according to Moneyfacts, since November [...]

The way most mortgages work is pretty straight forward – you take out a loan with a mortgage lender and over time you repay that loan at a premium. But offset mortgages do not quite work in the same way.
Regular mortgages are secured loans which means they are a money loan secured on a home. [...]

If you are finding it hard to save as much as you’d like you might want to consider taking out an offset loan to help you save more every month while at the same time reducing your mortgage.
It has been hard to save during this economic slump – we might be out of the recession, [...]

More young adults are struggling to get jobs and make ends meet, so they are having to rely on their parents more than ever for support. This can be a real burden on parents – but it needn’t be with an offset mortgage.
According to research from Scottish Widows, adult children are continuing to ‘sap’ their [...]

It’s all well and good a mortgage adviser telling you to switch to an offset mortgage but until you release how much you can actually save by just moving around your money you may not be entirely convinced.
Offset mortgages work by taking a lump sum and offsetting it against your mortgage debt – £10,000 offset [...]

Most people have to get serious about saving money at some point – do it sooner rather than later with an offset mortgage.
Saving money each month allows you to build up a nest egg, gives you a better credit score and gives you a better chance of getting hold of better credit in the future [...]

The old adage that ‘if you look after the pennies the pounds will take care of themselves’ may not be true in the 21st century but the message is worth bearing in mind as Brits look for other ways to make their money work for them.
With instant access savings accounts now paying an average of [...]

If you do not feel like you control your own finances and feel like they are in control of you then you need to invest in a mortgage where you are the boss and you call the shots, every month.
It’s a common dilemma to be in – more than half of Britons aged 35 and [...]