Reduce interest payments · Keep access to savings · Pay off faster
An offset mortgage links your savings and current accounts to your mortgage balance. Instead of earning interest on your savings, that amount is offset against your mortgage, so you only pay interest on the difference.
For example, if you have a £200,000 mortgage and £30,000 in savings, you'd only pay interest on £170,000. Your savings remain accessible, but by offsetting them you could save thousands in interest or pay off your mortgage years earlier.
Rainstone Money works with specialist lenders who offer competitive offset mortgage products, helping you find the arrangement that maximises the benefit of your savings.
See How Much You Could Save100% savings offset
Your entire savings balance is offset against your mortgage. The more you save, the less interest you pay, potentially saving thousands over the mortgage term.
Link family savings
Some offset mortgages allow family members to link their savings too, helping first-time buyers benefit from their family's combined savings.
Keep your savings accessible
Unlike overpayments, your savings remain yours to access whenever needed. You get the interest-saving benefit without locking your money away.
See exactly how much you could save by offsetting your savings against your mortgage balance with our expert calculations.
By reducing your interest, more of each payment goes towards your mortgage balance, helping you become mortgage-free sooner.
Offset mortgages can be particularly tax-efficient for higher and additional rate taxpayers who would pay 40-45% on savings interest.
We'll assess whether an offset mortgage is right for you and find the most competitive product from our specialist lender panel.
Interested in offsetting your savings? Speak to our mortgage experts for a personalised assessment.