Can anyone recommend an offset?

igloo

hi all

I've currently got an offset mortgage with barclays/woolwich.

I've been telling a friend of mine how great they are and he now wants to do the same thing. I'm not sure whether there are other providers out there better than mine though (I'm paying 0.5% plus base rate...currently 5.25% but I've checked the site this morning and the rate is 0.75% plus base rate without fees)

Can any of you recommend any other providers?

How do you find their service?

Online, can you view all accounts including your mortgage?

Any comments would be greatly appreciated.

Thank you!

humfer

Others that offer this sort of thing include Intelligent Finance and First Direct - they may be worth trying

humfer

humfer wrote:

Others that offer this sort of thing include Intelligent Finance and First Direct - they may be worth trying

I also normally use the website below which has quite good best buy tables, but Offset don't seem to be covered unless I'm mistaken

http://mortgages.charcolonline.co.uk/

humfer

Oh here you go - quick google search has found motley fool which has a best buy list of offset

http://www.fool.co.uk/mortgages/offset-mortgages.aspx?site=UKFool

gingefam

Building societies such as the Yorkshire Building Society do semi-offset accounts, savings accounts against mortgages, but they are not current account offsets. They have however won best Mortgage lenders for the last couple of years.

Even if not interested in theirs the calculator on the site is a useful tool.

onthelook_2

i have a flexi plus mrtgage with abbey which is the same as off setting thay have all the usual perks (payment holidays over payments etc your savings go in to pot which offsets but is there if needed been on that for one year only but chopped my term for 6 years to two