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Offset mortgage with more savings than mortgage…..
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As someone else has already mentioned you might be better just clearing the mortgage if you have the money in savings and may in the future end up claiming benefits !
Owning your own home does not count but having £50,000+ in the bank will even if its used to offset the mortgage.
PS I love offset mortgages having had 3 over the last 18 years.
If you need help at home the council will do an assessment of your needs and finances
Setting up a new offset mortgage will have costs even with Free legals and Free survey0
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