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Why go anywhere else...

86% of our mortgage customers say they are very satisfied* with their experience with us.

So with our great range of products and services, why go anywhere else?

*Very satisfied is defined as 8-10 on a 1-10 scale with 1 being extremely dissatisfied and 10 being extremely satisfied.
Source: Independent research conducted by Optimisa Research in December 2011 and March 2012, based on a representative sample of Co-operative Banking Group customers, based on product holdings.

Offset Mortgage

With a Britannia Offset Mortgage you only pay interest on the difference between the balance of your mortgage and your savings. When ‘offsetting’ you don’t earn interest on your savings, but you will reduce the amount of interest you pay on your mortgage instead. This could save you thousands in interest this link will open the page over the top of your current page and you could pay off your mortgage faster too.

Have a look at the rates in the table below. This Offset Mortgage is available if you're:

  • a first time buyer
  • moving home
  • remortgaging your current property

If you like what you see, get a quote using our mortgage calculator to choose your mortgage and find out your monthly payments.

Please note: For remortgage customers only, the cost of the first standard valuation and solicitors' costs, including compulsory disbursements are paid for by Britannia.

We also have Offset Mortgage deals available if you're an existing borrower or interested in borrowing more.

Mortgage Max
Loan to
Value		 Initial rate Followed by rate Followed by rate Overall cost for comparison Overall cost for comparison Overall cost for comparison Overall cost for comparison Setup fee Description Set up fees Charges and Extras Apply now
Offset 75% 4.19%
variable for the life of the mortgage		 N/A N/A 4.4% APR 4.4% APR 4.4% APR 4.4% APR £999

Offset - Option 1

Bank of England Base Rate plus 3.69%, currently 4.19% variable for the life of the mortgage.

Due to the rate floor, the rate on this product will not fall below 4.19% during the life of the mortgage

The overall cost for comparison is 4.4% APR4.4% APR4.4% APR4.4% APR.
  • £999 Arrangement Fee
  • Arrangement fee includes a non-refundable booking fee of £150
  • Early repayment charges apply for the first year
  • Valuation and solicitors' costs will apply
  • Cost of first standard valuation and solicitors' costs, including compulsory disbursements paid by Britannia if you're remortgaging
Quote & apply
Offset 75% 4.49%
variable for the life of the mortgage		 N/A N/A 4.7% APR 4.7% APR 4.7% APR 4.7% APR £0

Offset - Option 2

Bank of England Base Rate plus 3.99%, currently 4.49% variable for the life of the mortgage.

Due to the rate floor, the rate on this product will not fall below 4.49% during the life of the mortgage

The overall cost for comparison is 4.7% APR4.7% APR4.7% APR4.7% APR.
  • No arrangement fee
  • Early repayment charges apply for the first year
  • Valuation and solicitors' costs will apply
  • Cost of first standard valuation and solicitors' costs, including compulsory disbursements paid by Britannia if you're remortgaging
Quote & apply

Please note that a rate floor is applicable on our Offset Savings products. This means that the interest rate charged will not fall below a specified rate, as detailed above. Therefore your repayments will not reduce beyond this floor.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT
KEEP UP REPAYMENTS ON YOUR MORTGAGE

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