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Find out how offsetting your mortgage can reduce the amount of interest you pay
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0845 609 4343
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Our mortgages:
You earn interest on your savings and current account and pay interest on your mortgage
An example of this...
You usually pay more interest on your mortgage than the interest you're earning on your savings and current account
Plus, the interest earned on your savings and current account is taxable
The balance in your Intelligent Finance savings and/or current account reduces the balance on which you pay interest on your mortgage - and, because you don't receive interest on your current account and savings when offsetting, there is no tax to pay.
Even if you don't have any savings, you could pay your regular salary into your Intelligent Finance current account and benefit from offsetting that money against your mortgage. It doesn't matter that the amount of money in your current account will vary - whatever's in there from day to day will go towards offsetting the amount you owe on your mortgage.
Need help?
You can apply for a mortgage online. Just register for online banking first, then log in and select "Enhance Plan".
Our mortgages are available exclusively through your local Professional Adviser.
How to find a Professional Adviser
Try our offset calculator
View affordability calculator
Try mortgage picker
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.