Mortgages

Find out how offsetting your mortgage can reduce the amount of interest you pay

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Remortgage - Fixed rate mortgages

The interest rate on your mortgage stays fixed for a set period, so no matter what happens to the Bank of England base rate, you know your interest rate will be the same each month during the fixed rate period.

Offset Fixed Rate Mortgage

With our offset fixed rate mortgage, you can choose to offset your Intelligent Finance savings and/or current account.

Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 60 until 28 February 2011 60%
LTV		 5.29%
fixed until 28.02.11		 6.50% currently
(our offset variable mortgage rate)		 6.6 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 60 until 28 February 2012 60%
LTV		 5.29%
fixed until 28.02.12		 6.50% currently
(our offset variable mortgage rate)		 6.5 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 60 until 28 February 2014 60%
LTV		 5.29%
fixed until 28.02.14		 6.50% currently
(our offset variable mortgage rate)		 6.3 % APR
Arrangement fee: £999  |   Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 75 until 28 February 2011 75%
LTV		 5.59%
fixed until 28.02.11		 6.50% currently
(our offset variable mortgage rate)		 6.7 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 75 until 28 February 2012 75%
LTV		 5.59%
fixed until 28.02.12		 6.50% currently
(our offset variable mortgage rate)		 6.6 % APR
Arrangement fee: £999  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Remortgage Offset fixed 75 until 28 February 2014 75%
LTV		 5.59%
fixed until 28.02.14		 6.50% currently
(our offset variable mortgage rate)		 6.5 % APR
Arrangement fee: £999  |   Early repayment charges - 5.00% until 28.02.10, 4.00% until 28.02.11, 3.00% until 28.02.12, 3.00% until 28.02.13, 3.00% until 28.02.14 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.
Product
name		 Max loan to value Initial rate     Then changing for
the remainder of
the term to		 The overall
cost for
comparison is
Remortgage Offset fixed 75 until 28 February 2012 75%
LTV		 5.73%
fixed until 28.02.12		 6.50% currently
(our offset variable mortgage rate)		 6.5 % APR
Arrangement fee: £2499  |   Early repayment charges - 3.00% until 28.02.10, 2.00% until 28.02.11, 2.00% until 28.02.12 on original 'special rate' advance [full redemption]  |   Refundable valuation fee  |   £330 charge if mortgage redeemed before 28.02.11  |   CHAPS Fee: £25   |   Additional Borrowing - the same as Intelligent Finance's offset variable mortgage rate.

Offset fixed rate mortgages are only available on loans between £100,000 and £500,000

Your home may be repossessed if you do not keep up repayments on your mortgage.

Need help?

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How do I apply?

Our mortgages are available exclusively as part of an offset plan through your local Professional Adviser.

How to find a Professional Adviser

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Already have an Intelligent Finance Savings or Current Account?

You can apply for a mortgage online. Just register for online banking first, then log in and select "Enhance Plan".

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See how much you could save

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How much could I borrow?

View affordability calculator

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Which mortgage is right for me?

Try mortgage picker

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How does offsetting work?

See our demo to find out how offsetting works

Your home may be repossessed if you do not keep up repayments on your mortgage.

Please note that our mortgage range is available to new mortgage customers and to existing Intelligent Finance mortgage customers who are moving home.