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Politicians have been arguing this week over the future of the economy – which further proves the need for borrowers to use their money wisely.

Shadow chancellor George Osborne has warned Gordon Brown’s willingness to borrow his way out of trouble could lead to the collapse of sterling, which would be bad news for investors and savers.

Pound Sterling has fallen over November as the UK becomes ever closer to a recession. So it’s time for the saving hoarder mentality to kick in across homes in Britain.

If Sterling drops further, savings and investments might not be the best way of making the most of your money. An offset mortgage however will not be affected as much by a weak pound.

Things are tough and they are going to stay tough, but those who have an offset mortgage will be the best placed – their mortgage payments will go down, their mortgage will get smaller and they will be able to save more money – however much it is worth across the world.

To stay abreast of current trends, news and comment on offseting mortgages visit the Offset Mortgage Blog.

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Offset remortgages are not simply a matter of signing on the dotted line again. A mortgage needs to be pored over and considered carefully, even if it is a remortgage there is much to consider. But what is important when it comes to offset remortgages? You may have enjoyed huge savings over the course of your last deal, but what is going to make that continue and even improve? And could you be making more? Where are you missing out? It can be a simple and painless process, but offset remortgages must not be taken lightly in the first place.

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Mortgage interest rates are on the up, there is no doubt about that. Thanks to tightening credit limits mortgage lenders have had to resort to putting up rates by several percentage points. Which in real terms means a big hike in your monthly mortgage bill and with rising energy, food and fuel costs, mortgage hikes are the last things any homeowner wants. But what about the interest rates on flexible mortgages? Aren’t they any different, because these are flexible deals, shouldnt they be immune to mortgage rate changes? Or are they different, will interest rates on flexible mortgages be hit harder than other deals?

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After shopping for a mortgage for a short time you will have discovered that finding the best mortgage is a bit of a balancing act, you want a low rate but you also want flexibility and they never go together. A low rate mortgage will be loaded with fees, limitations and nasty clauses while a flexible mortgage that offers breaks and reduced fees will invariably have a much higher rate. So can you have both? Where can you go to find low rate flexible mortgages, deals that will work with all the changes in your life but will not break the bank? Or is this just too much to ask? Are low rate flexible mortgages just a mortgage white whale?

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You want flexible cheap mortgages, deals that have some leeway when it comes to underpaying and overpaying, but also deals that are cheap. You dont want to see all your hard earned wages disappear as soon as they arrive into the big, black mortgage debt but you also dont want a claustrophobic mortgage that demands from you month after month without any give. But can you ever find this happy medium? Is there a mortgage out there that will give you flexibility and value for money? Before you carry on searching for this mortgage stop – are flexible cheap mortgages a reality?

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If you come to retirement age you want to reap the rewards of all your hard work. For years and years you have paid your mortgage, and only now as you finish working, you own your own home. But what is the good of owning a home if you have no money to enjoy it? Using flexible lifetime mortgages you can unlock some of your hard-earned equity and use it to fund your retirement. Use can have a lump sum or have a drip feed throughout your autumn years – it’s your choice and it will always remain your home with flexible lifetime mortgages.

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