Offset mortgages

Overview

We offer a range of offset mortgages that can be used on either a repayment or interest only basis.

With N&P's Offset Mortgage, you can use your savings or current account balance to pay off more of your mortgage each month which could mean paying off your mortgage early.

All you need to know about Offset mortgages and our Offset Frequently Asked Questions.

Mandatory Gold - Offset Mortgage | Offset for term at SVR - 0.65%

Variable rate payable for whole of mortgage	The overall cost for comparison is
4.20%	4.3% APR
Mandatory active Gold Current Account required \| Free valuation \| Product fee £795 \| Free legal fees or £200 cash back for re-mortgage customers \| Early Repayment Charge if you repay all of this mortgage within the first 2 years \| Minimum Loan £50,000 \| LTV 75% \| Flats maximum 75% LTV, Interest only mortgages maximum 75% LTV \| No self-builds or Conversions

Optional Gold - Offset Mortgage | Offset for term at SVR -0.50%

Variable rate payable for whole of mortgage	The overall cost for comparison is
4.35%	4.5% APR
Gold Current Account optional \| Free valuation \| Product fee £795 \| Free legal fees or £200 cash back for re-mortgage customers \| Early Repayment Charge if you repay all of this mortgage within the first 2 years \| Minimum Loan £50,000 \| LTV 75% \| Flats maximum 75% LTV, Interest only mortgages maximum 75% LTV \| No self-builds or Conversions

The variable rate payable for the rest of the mortgage is base upon current interest rates. The standard minimum advance is £50,000 (unless stated otherwise). | Please note the minimum payment rate on all tracker products is 3% and on all discount products is 3%.