An offset mortgage links your savings and mortgage accounts. Instead of earning interest on your savings, the money in your savings account is used to 'offset' against your mortgage balance, reducing the interest you pay. You effectively earn a higher rate of interest on your savings while maintaining instant access to your money. A smart solution for those with substantial savings.
Offset mortgages combine your savings with your mortgage to reduce the amount of interest you pay without losing access to your money.
Offset mortgages work best for people with significant savings who want those savings to work harder while maintaining flexibility.
Higher rate taxpayers save significantly on tax while getting effective savings rates typically higher than standard savings accounts.
Perfect for entrepreneurs who need to keep cash accessible for business opportunities while maximizing personal finance efficiency.
For individuals with substantial savings seeking tax-efficient ways to manage their mortgage and reduce interest costs.
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