Offset Mortgages - LDN Finance

Offset Mortgages

Are you looking for a way to take control of your mortgage and reduce the interest you pay? An offset mortgage is an ideal way to either reduce your monthly payments or shorten the length of your mortgage term. LDN Finance’s experienced mortgage advisers will take the time to understand your needs, explain the details of this option, and find the best solution for you.

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Offset Mortgages

At LDN Finance, we are well versed in arranging offset mortgages for our valued clients.

An offset mortgage is a property finance loan with a savings or current account that is linked to the mortgage. Many of our clients benefit from this type of borrowing as it can reduce the level of interest charged, meaning they can either make lower monthly payments over a set term length, or effectively make ‘overpayments’ on your mortgage each month to reduce your mortgage term.

Suitable for those looking to purchase a new property or those looking to remortgage, offset mortgages are a particularly attractive proposition for clients with considerable savings as it will significantly lower the level of debt. At LDN Finance, we have vast experience when it comes to arranging offset property finance. Working closely with our extensive network of trusted lenders who can take a holistic view of your finances and full wealth profile, we are best placed to help you secure the best terms and rates for you situation.

To discuss your search for an offset mortgage in more detail, get in contact with our expert advisers today.

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our values

How we work

01

Service

Service excellence is at the heart of our business. We are renowned for our highly personal and bespoke approach to securing property finance for our clients, ensuring you feel in control and confident throughout your investment journey.

02

Expertise

We thrive in complex, challenging scenarios and work creatively in our negotiations with our trusted network of mainstream, private and specialist lenders to ensure we always secure the best possible outcome for your circumstances.

03

Relationships

We mean it when we say we see you as a valued partner. Our relationship with you is important to us and our team will continue to serve as your personal property adviser long after your first deal with us is completed and over the line.

Offset mortgages with LDN Finance

Offset mortgages are a great option in the right situation as they have the potential to help homeowners save a significant amount of money. Quite simply, an offset mortgage links your mortgage to your savings. The balance of your savings account reduces the amount of interest you’ll be charged on your mortgage.

With your savings offset against your mortgage value, you’ll only be paying interest on your mortgage minus the balance of your savings. This gives you a choice between lower monthly payments and the same term length, or a shorter term with the same payments that you started with.

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Who is an offset mortgage suitable for?

An offset mortgage can be suitable for people purchasing a new property or those looking to remortgage. Offset mortgages are particularly attractive for those with large cash savings, self-employed people who may have either irregular income or have money saved for future tax payments, or those who require the flexibility to get access to their savings balances for potential future needs.

If you’re looking for professional advice regarding your mortgage options, then we are here to help. You’ll receive outstanding service, speaking with an experienced adviser to work out which option makes the most sense for you and your situation.

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Testimonials

Our happy clients

Excellent and outstanding professional service from start to finish. From offering as many options as possible, to explaining to me very quickly what the benefits are and what I should really be thinking about moving forward. Thoroughly recommend.

Mr. M

July 2021

5 Stars! The LDN team supported us purchasing our family home, without their support and as an expat it would have been very difficult to obtain our new home in the UK. I would totally recommended them.

Mr. S

August 2021

Johnny Martin held our hands through the entire process calmly and professionally. Brilliant service, efficient and swift in response to everything. He made the entire journey uncomplicated even when the bank made it complicated. Highly recommended.

Mr. H

July 2021

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Get in touch

Contact our professional and experienced residential mortgage advisers and start your property finance journey today.

 

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Prefer to chat? Call us on 020 3903 9875

 

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