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Offset Mortgage Quotes and Advice

 Offset Mortgages Quotes and Advice

 

“An offset is one of the most hard-working but under utilised products in the mortgage market.”

A quote from a leading mortgage journalist.

It works by offsetting any money you hold in a linked current bank savings account against the mortgage balance before the monthly mortgage interest payments are calculated. This means you pay less mortgage interest each month and because you gain no interest on the savings in the  bank account you also pay no tax on the on the savings.

Its a very tax efficient way of combining mortgage and savings accounts.

For it to work effectively, it is generally accepted that the amount of savings you use to offset must be “significant”

Best to get a free quote and see the benefits for yourself.

Click to get a quote for an offset mortgage

Mortgages with an offset facility attached – Yorkshire Building Society, Leeds Building Society, First Direct, Scottish Widows, Norwich and Peterborough Building Society, Woowich, Market Harborough,

It may be easier to use a broker (click above) to get all the quotes in a single format that makes it simple to compare them.

A good offset mortgage calculator can be found here:

http://www.rbs.co.uk/microsites/calculators/offset/default.asp

NIG Insurance

 

 Click below for a call back to quote for your replacement home insurance
Get a call back for a home insurance quote

Home Insurance Quotes

 

The National Insurance and Guarantee Corporation (NIG) stopped providing personal lines insurance in August 2010, which meant that all its policyholders would not be able to renew their existing insurance policies when the date came around. This included home, car, motorcycle, pet and travel insurance.

For homes that are not located in flood risk areas, click the banner on the left and get a call back to discuss your replacement home and contents insurance. This can be a bedroom rated policy, a new build or landlords.

  

  

  

Click below for a call back for an insurance quote that also includes covers flood damage 

flood damage insurance

Flood Insurance Quotes

  

Home and business insurance for property that is deemed at risk of flooding is getting harder to find as the UK Government reduces its budget on improving flood defences and the agreement they had with the insurance companies comes to an end in the near future. It means that some property owners will find themselves unable to get property insurance from their usual insurance company, and may find a large increase in quoted premiums.

BY using the banner on the left you can get a call back to discuss your insurance needs with a specialist who is experienced in getting flood damage insurance where other insurers have refused.