Flexible and Offset Mortgages
At Heritage, we appreciate the importance of finding the right mortgage solution that suits your individual circumstances. We understand that purchasing a home or refinancing your existing mortgage is a significant financial decision. That’s why we offer flexible and offset mortgage options designed to provide you with greater control over your finances and help you achieve your homeownership goals.
Working with a network of reputable lenders, we strive to provide you with a range of options and competitive rates. Our experienced mortgage advisors are here to guide you through the process, helping you understand the intricacies of flexible and offset mortgages, and assisting you in making informed decisions that align with your financial goals.
Our flexible mortgages are designed to adapt to your changing needs. Whether you’re looking for the flexibility to overpay, underpay, or take payment holidays, we can tailor a mortgage solution that fits your unique requirements. This means you can make extra payments when you have surplus funds, reducing the overall term of your mortgage and potentially saving on interest costs. Alternatively, during times of financial strain, you can take advantage of payment holidays or underpayments, providing you with some financial breathing space.
Our offset mortgages offer another powerful financial tool. By linking your savings or current account to your mortgage, you can offset the interest on your mortgage balance with the balance in your linked accounts. This can result in significant interest savings over the life of your mortgage. Moreover, the funds in your linked accounts remain accessible, providing you with liquidity and the ability to use your savings when needed, while still benefiting from reduced interest charges.
Our aim is to provide you with the best mortgage solution to support your homeownership journey, ensuring that you have the financial flexibility and benefits you need to make the most of your investment.
Our team of experts will work closely with you to understand your specific requirements and recommend the most suitable mortgage solution for your needs.