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Off-setting Mortgages

Diddeen

Wise Old Thumper
Does anyone have one? What do you think of them? There are several around.. including Royal Bank of Scotland and Virgin One Account. We are looking at taking out our first joint mortgage and trying to find out if these are any good or if they are too good to be true :?
 
We don't have an offset mortgage but we do have a mortgage with an offset savings account attached (with Egg) which is much the same except it keeps your accounts separate and doesn't offset your current account, only savings that have been transferred in. You can still make overpayments and 'borrow back' overpayments in a similar way.
 
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