Under utilised offset account

Scouse77

Good bit of stalkernet YB! In a perfect world I would prefer to zero my offset account. I am fixed at the moment but just had a look at the ybs account and it the rates are quite good. I may change to that instead and reduce my rate!

jamesd

Neither Zopa nor Ratesetter offers particularly good interest rates at the moment. Worth a look at the P2P independent forum to get familiar with more of the options. I rather like the relatively new Ablerate and 10% or more taxable is achievable there for lending secured on planes and machinery. Don't just use one place, though, diversify between different types and providers of P2P.