flexible mortgage

[LizzieMint]

Does anyone know of a provider who offers a mortgage with a decent interest rate which allows unlimited overpayments? All I've found so far is ones limited to a 10% overpayment per year.

[KouignAmann]

First Direct Offset Mortgage or Virgin/RBS One Account? Both totally flexible, I think FD have lower interest rates

[Marmitelover55]

We have a Barclays/woolwich offset mortgage and it is great.

[LizzieMint]

I've had a look at all of those but they all have early repayment charges which takes away the point a bit! We don't necessarily need an offset mortgage, because the majority of our savings will be going into the house purchase anyway, but we want to be able to pay bonuses into the mortgage without penalty. Maybe what I'm looking for doesn't exist any more, we used to have a tracker mortgage that allowed unlimited overpayments and no early redemption penalty.

[Marmitelover55]

Oh we don't have an early payment charge, but maybe we did for the first year or so- sorry cant remember.