Compare Current Account Mortgages

Why are you looking for a mortgage?
Filter your results
You have a 80% loan-to-value
  • Beverley BS's logo'

    Beverley BS 2 Year Discounted Variable

    • Offset
    • Initial Rate
      1.82% Discounted Variable for 2 years (3.17% disc)
    • APRC
      4.60%
    • Product Fee
      £995
    • Monthly Repayment
      £830.29
    Continue on Fluent Mortgages' website + More info
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS 2 Year Discounted Variable

    • Offset
    • Cashback Available
    • Initial Rate
      1.99% Discounted Variable for 2 years (3.90% disc)
    • APRC
      4.60%
    • Product Fee
      £999
    • Monthly Repayment
      £846.74
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Initial Rate
      2.10% Fixed to 31/10/2023
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £857.48
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Cashback Available
    • Initial Rate
      2.10% Fixed to 31/10/2023
    • APRC
      3.70%
    • Product Fee
      £0
    • Monthly Repayment
      £857.48
    Continue on Fluent Mortgages' website + More info
  • Beverley BS's logo'

    Beverley BS 3 Year Discounted Variable

    • Offset
    • Initial Rate
      2.15% Discounted Variable for 3 years (2.84% disc)
    • APRC
      4.40%
    • Product Fee
      £995
    • Monthly Repayment
      £862.39
    Continue on Fluent Mortgages' website + More info
  • Beverley BS's logo'

    Beverley BS 2 Year Discounted Variable

    • Offset
    • Initial Rate
      2.19% Discounted Variable for 2 years (2.80% disc)
    • APRC
      4.40%
    • Product Fee
      £0
    • Monthly Repayment
      £866.33
    Continue on Fluent Mortgages' website + More info
  • Clydesdale Bank's logo'

    Clydesdale Bank 2 Year Discounted Variable

    • Offset
    • Initial Rate
      2.24% Discounted Variable to 30/11/2023 (2.31% disc)
    • APRC
      4.30%
    • Product Fee
      £999
    • Monthly Repayment
      £871.27
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Bank's logo'

    Yorkshire Bank 2 Year Discounted Variable

    • Offset
    • Initial Rate
      2.24% Discounted Variable to 30/11/2023 (2.31% disc)
    • APRC
      4.30%
    • Product Fee
      £999
    • Monthly Repayment
      £871.27
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Cashback Available
    • Initial Rate
      2.33% Fixed to 31/10/2026
    • APRC
      3.30%
    • Product Fee
      £0
    • Monthly Repayment
      £880.21
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      2.35% Fixed to 31/10/2026
    • APRC
      3.60%
    • Product Fee
      £0
    • Monthly Repayment
      £882.20
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Cashback Available
    • Initial Rate
      2.35% Fixed to 31/10/2023
    • APRC
      3.70%
    • Product Fee
      £0
    • Monthly Repayment
      £882.20
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Initial Rate
      2.36% Fixed to 31/10/2023
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £883.20
    Continue on Fluent Mortgages' website + More info
  • Beverley BS's logo'

    Beverley BS 3 Year Discounted Variable

    • Offset
    • Initial Rate
      2.49% Discounted Variable for 3 years (2.50% disc)
    • APRC
      4.40%
    • Product Fee
      £0
    • Monthly Repayment
      £896.23
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Initial Rate
      2.65% Fixed to 31/10/2023
    • APRC
      4.00%
    • Product Fee
      £0
    • Monthly Repayment
      £912.42
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Cashback Available
    • Initial Rate
      2.68% Fixed to 31/10/2026
    • APRC
      3.50%
    • Product Fee
      £0
    • Monthly Repayment
      £915.47
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      2.72% Fixed to 31/10/2026
    • APRC
      3.80%
    • Product Fee
      £0
    • Monthly Repayment
      £919.55
    Continue on Fluent Mortgages' website + More info
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS Discounted Variable

    • Offset
    • Cashback Available
    • Initial Rate
      2.84% Discounted Variable (collared at 2.59%) (3.05% disc)
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £931.86
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 2 Year Fixed

    • Offset
    • Initial Rate
      2.94% Fixed to 31/10/2023
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £942.19
    Continue on Fluent Mortgages' website + More info
  • Hinckley & Rugby BS's logo'

    Hinckley & Rugby BS 2 Year Discounted Variable

    • Offset
    • Initial Rate
      2.99% Discounted Variable for 2 years (2.90% disc)
    • APRC
      5.00%
    • Product Fee
      £999
    • Monthly Repayment
      £947.38
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.00% Fixed to 31/10/2026
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £948.42
    Continue on Fluent Mortgages' website + More info
  • Chelsea Building Society's logo'

    Chelsea Building Society 2 Year Fixed

    • Offset
    • Initial Rate
      3.03% Fixed to 31/10/2023
    • APRC
      4.00%
    • Product Fee
      £0
    • Monthly Repayment
      £951.55
    Continue on Fluent Mortgages' website + More info
  • Chelsea Building Society's logo'

    Chelsea Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.25% Fixed to 31/10/2026
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £974.63
    Continue on Fluent Mortgages' website + More info
  • Family Building Society's logo'

    Family Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.29% Fixed to 31/01/2027
    • APRC
      4.10%
    • Product Fee
      £599
    • Monthly Repayment
      £978.86
    Continue on Fluent Mortgages' website + More info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.35% Fixed to 31/10/2026
    • APRC
      3.80%
    • Product Fee
      £0
    • Monthly Repayment
      £985.23
    Continue on Fluent Mortgages' website + More info

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

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

Award-winning comparisons you can trust

It's always nice to know you're on the right track. Over the years, as we have striven to improve the services we provide to our clients and users, we have been pleased to receive recognition for our efforts from both industry and consumer bodies.

Last updated on 01 February 2021.

Current Account Mortgages FAQ

What are current account mortgages?

Current account mortgages allow you to merge your mortgage with your current account. This means that your balance will total the amount you owe, having subtracted the amount that was already sitting in your current account.

How is a current account mortgage an offset mortgage?

Offset mortgages relate to any mortgage where you have some amount of money in savings, which you use to offset the total sum you owe on your mortgage. This means you pay interest on a smaller sum.

What’s a benefit of using a current account mortgage?

Current account mortgages can reduce the interest you pay on your mortgage by using your current account balance to offset the outstanding sum on the mortgage. This means you are paying interest on a smaller sum, thus reducing your monthly interest payments.

Why does it matter how quickly you repay a current account mortgage?

Lenders charge interest on mortgages. The longer you hold your mortgage for, the more interest you will expect to pay over time. Interest is cumulative, so if you wish to keep costs low, paying off your current account mortgage sooner is an option that may be worth considering.

What disadvantages do current account mortgages have?

Interest rates on current account mortgages tend to be higher than those for conventional residential mortgages. As with any mortgage product, you will need to have a clear plan in place on how you will meet your repayments.

What happens when I withdraw from my current account?

Withdrawal of money from your current account will increase the balance left on your mortgage, meaning the interest you are repaying each month will be higher.

How can a broker help with a current account mortgage?

Brokers can help you to get a clear understanding of the current account mortgages that are available to you. Remember some brokers are affiliated to certain lenders, while others will offer you products from across the market.

What documents do I need to apply for a current account mortgage?

Lenders will want to see proof of your income and your identity. Many will also want to get a clearer understanding of how affordable the mortgage repayments are for you so they will ask to see bank statements.

Depending on your personal financial position and employment status, you might be asked to provide documents such as tax returns, payslips, bank statements and utility bills, as well as a valid form of ID like a passport. Put together, these documents should all paint a picture about you as a borrower - they help verify your identify, and give an indication of your financial history, to determine creditworthiness.

Is a current account mortgage suitable for those on low wages?

Income is a key consideration, when seeking a current account mortgage. Whatever your income bracket you should look at your monthly income and your ‘set in stone’ outgoings to consider whether or not you can afford the mortgage repayments on top of your existing expenditure.

Can I save with a current account mortgage?

You won’t be able to earn interest on any money in accounts directly linked to the mortgage itself.