Quick Answer An offset mortgage links your savings account to your mortgage. Instead of earning interest on your savings, you don’t pay mortgage interest on that same amount. If you have a £200,000 mortgage and £20,000 in a linked savings account, you only pay interest on £180,000. Your monthly payment can stay the same, but…
Published: 16 July 2026 • Updated: 16 July 2026 • Reading Time: 8 min read Millions of UK homeowners are asking the same question: will UK interest rates rise again? With oil prices climbing and inflation still under close watch, understanding what happens next could help you prepare for changes to your mortgage, savings and…
Buying a property is one of the biggest financial commitments most people will ever make. Before you start viewing homes or making offers, many buyers choose to obtain a Mortgage in Principle. It gives you an estimate of how much you may be able to borrow and shows sellers that you’re financially prepared to move…