Fixed rate mortgage ending next year. Since purchasing the house, my husband has inherited some money. We have both agreed that this is likely to be needed for child with SEN, but saw the idea of an offset mortgage. I am drawn to it as it means the money is still separate and can be used when needed (I realise this would affect the repayment amounts if we did this). We have never been in the position of having savings so don’t want to mess it up. The inheritance is the same amount as our outstanding mortgage, although not sure we would put it all up, more likely to be 50-75%. Would an offset mortgage be appropriate? We will approach a mortgage advisor soon but would appreciate any thoughts. Thank you!