When offsetting, what happens if I have more in savings balances than I have outstanding on my mortgage?
Because of the way the offset mortgage is structured, you wouldn’t receive any credit interest. If this becomes the case, you would be better off transferring the surplus into a savings account not linked to the offset mortgage.
Find out more about offset mortgages
Contact Us
Still have a question? Take a look at your contact options.
Contact Us
Get in touch
Contact us by phone
Mortgage contact
Closed nowLandline:0333 202 7580
- Mon
- 7.00am to 8.00pm
- Tue
- 7.00am to 8.00pm
- Wed
- 7.00am to 8.00pm
- Thu
- 7.00am to 8.00pm
- Fri
- 7.00am to 8.00pm
- Sat
- 7.00am to 5.00pm
- Sun
- 7.00am to 5.00pm
- Public holiday
- 9.00am to 5.00pm
Premier banking
Open 24/7, including holidaysLandline:0800 924 7365
The quickest way to speak to us is using 'Live chat' in our app. It's fast and secure, and our team are available 24/7.
Find a branch
- View our complete contact directory