New home - Offset mortgages

Offset your mortgage with an Intelligent Finance Savings/Current Account and/or ISA and you have the option to reduce the amount of interest you pay on your mortgage, or maximise the interest you earn on your savings.

Offset Tracker Mortgages

With our tracker rate mortgages, your interest rate tracks the Bank of England's base rate for a set period.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Home Purchase Offset tracker 60 until 1 September 2012 (B.o.E + 1.29%)	60% LTV	6.29% currently Tracks 1.29% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.1 % APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 1 million until 1 September 2012 (B.o.E + 1.54%)	60% LTV	6.54% currently Tracks 1.54% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.1 % APR
Arrangement fee: £8000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 500 until 1 September 2012 (B.o.E + 1.49%)	60% LTV	6.49% currently Tracks 1.49% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £5000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is

Home Purchase Offset tracker 60 until 1 September 2013 (B.o.E + 1.29%)	60% LTV	6.29% currently Tracks 1.29% above the BoE's base rate until 01.09.13	7.00% currently (our offset variable mortgage rate)	7.0 % APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 2 million until 1 September 2012 (B.o.E + 1.79%)	75% LTV	6.79% currently Tracks 1.79% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £12000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 75 until 1 September 2013 (B.o.E + 1.49%)	75% LTV	6.49% currently Tracks 1.49% above the BoE's base rate until 01.09.13	7.00% currently (our offset variable mortgage rate)	7.1 % APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is

Home Purchase Offset tracker 75 until 1 September 2012 (B.o.E + 1.39%)	75% LTV	6.39% currently Tracks 1.39% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.1 % APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 75 until 1 September 2011 (B.o.E + 1.69%)	75% LTV	6.69% currently Tracks 1.69% above the BoE's base rate until 01.09.11	7.00% currently (our offset variable mortgage rate)	7.3 % APR
Arrangement fee: £999 \| Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 1 million until 1 September 2012 (B.o.E + 1.74%)	80% LTV	6.74% currently Tracks 1.74% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £8000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is

Home Purchase Offset tracker 85 until 1 September 2011 (B.o.E + 1.89%)	85% LTV	6.89% currently Tracks 1.89% above the BoE's base rate until 01.09.11	7.00% currently (our offset variable mortgage rate)	7.3 % APR
Arrangement fee: £1499 \| Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 500 until 1 September 2012 (B.o.E + 1.69%)	85% LTV	6.69% currently Tracks 1.69% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £5000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset tracker 85 until 1 September 2012 (B.o.E + 1.69%)	85% LTV	6.69% currently Tracks 1.69% above the BoE's base rate until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £1499 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is

Home Purchase Offset tracker 85 until 1 September 2013 (B.o.E + 1.69%)	85% LTV	6.69% currently Tracks 1.69% above the BoE's base rate until 01.09.13	7.00% currently (our offset variable mortgage rate)	7.2 % APR
Arrangement fee: £1499 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Offset Fixed Rate Mortgages

With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.

Offset fixed mortgages are only available on loans between £100,000 and £500,000

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Home Purchase Offset fixed 85 until 1 September 2012	85% LTV	7.19% fixed until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.4 % APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Home Purchase Offset fixed 90 until 1 September 2012	90% LTV	7.39% fixed until 01.09.12	7.00% currently (our offset variable mortgage rate)	7.5 % APR
Arrangement fee: £1499 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Need help?

Already have an Intelligent Finance Savings or Current Account?

You can apply for a mortgage online. Just register for online banking first, then log in and select "Enhance Plan".

How do I apply?

Our mortgages are available exclusively through your local Professional Adviser.

How to find a Professional Adviser

See how much you could save

How much could I borrow?

View affordability calculator

Which mortgage is right for me?

Try mortgage picker

How does offsetting work?

See our demo to find out how offsetting works

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note that our mortgage range is available to new mortgage customers and to existing Intelligent Finance mortgage customers who are moving home.