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<br /> A GUIDE TO<br /> OFFSET<br /> MORTGAGES<br /> in partnership with Scottish Widows Bank<br /> SAVE TIME<br /> ANDMONEYWITHA<br /> SMARTER MORTGAGE<br /> SCOTTISH WIDOWS BANK<br /> SEE<br /> HOW OFFSET ADDS UP<br /> Whatever the size of your savings, see how offset adds up for you:<br /> · available on our 2, 3 and 5 year fixed rate and<br /> 2 year variable rate mortgages<br /> · can help you pay off your mortgage more quickly<br /> · gives you fast access to your savings.<br /> Find out more at www.scottishwidowsbank.co.uk/mortgages<br /> A booking or arrangement fee is payable and Early Repayment Charges apply.<br /> YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT<br /> KEEP UP REPAYMENTS ON YOUR MORTGAGE.<br /> To apply for a Scottish Widows Bank mortgage please speak<br /> to an independent mortgage adviser. To find a mortgage adviser visit<br /> www.scottishwidows.co.uk/findadviser<br /> Scottish Widows Bank plc. Registered Of<a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 1" href="http://viewer.zmags.com/publication/093c73e2?page=1"> A GUIDE TO OFFSET MORTGAGES in partnership with </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 2" href="http://viewer.zmags.com/publication/093c73e2?page=2"> SCOTTISH WIDOWS BANK SEE HOW OFFSE</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 3" href="http://viewer.zmags.com/publication/093c73e2?page=3"> INTRO & CONTENTS INTRODUCTION W </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 4" href="http://viewer.zmags.com/publication/093c73e2?page=4"> WHAT IS AN OFFSET MORTGAGE? MAXIMISE YOUR MONEY</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 5" href="http://viewer.zmags.com/publication/093c73e2?page=5"> WHAT IS AN OFFSET MORTGAGE? THE MORTGAGE WIZARD</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 6" href="http://viewer.zmags.com/publication/093c73e2?page=6"> WHAT IS AN OFFSET MORTGAGE? HOW DOES AN OFFSE T</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 7" href="http://viewer.zmags.com/publication/093c73e2?page=7"> WHAT IS AN OFFSET MORTGAGE? ET MORTGAGE WORK? </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 8" href="http://viewer.zmags.com/publication/093c73e2?page=8"> WHAT IS AN OFFSET MORTGAGE? CUT REPAYMENTS OR C</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 9" href="http://viewer.zmags.com/publication/093c73e2?page=9"> IS AN OFFSET SUITABLE? IS AN OFFSET MO</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 10" href="http://viewer.zmags.com/publication/093c73e2?page=10"> IS AN OFFSET SUITABLE? mortgage balance, cuts y</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 11" href="http://viewer.zmags.com/publication/093c73e2?page=11"> IS AN OFFSET SUITABLE? SELF-EMPLOYED BORROWERS O</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 12" href="http://viewer.zmags.com/publication/093c73e2?page=12"> PROFILE SCOTTISH WIDOWS BA OFFSET SPECIALISTS </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 13" href="http://viewer.zmags.com/publication/093c73e2?page=13"> PROFILE ANK – THE </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 14" href="http://viewer.zmags.com/publication/093c73e2?page=14"> CASE STUDIES OFFSET ADVOCATES We speak to three</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 15" href="http://viewer.zmags.com/publication/093c73e2?page=15"> CASE STUDIES THE LAWYER WHO WANTS LOWER REPAYMEN</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 16" href="http://viewer.zmags.com/publication/093c73e2?page=16"> MYTHS EXPLODINGTHEMYTHS Are offset mort</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 17" href="http://viewer.zmags.com/publication/093c73e2?page=17"> offset deals. Scottish Widows Bank is unique in o</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 18" href="http://viewer.zmags.com/publication/093c73e2?page=18"> BROKERS BROKER BENEFITS W Professional </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 19" href="http://viewer.zmags.com/publication/093c73e2?page=19"> search the market for the best deal for you, traw</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 20" href="http://viewer.zmags.com/publication/093c73e2?page=20"> TOP TIPS TOP TIPS FOR OFFSET BORROWERS 1 </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 21" href="http://viewer.zmags.com/publication/093c73e2?page=21"> T4 CHOOSE BETWEEN FIXED </a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 22" href="http://viewer.zmags.com/publication/093c73e2?page=22"> JARGON JARGON BUSTER We run through the key ter</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 23" href="http://viewer.zmags.com/publication/093c73e2?page=23"> YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP U</a> <a title="MH3566 SCOT.WIDS.CONSUMER.ZMAG page 24" href="http://viewer.zmags.com/publication/093c73e2?page=24"> SCOTTISH WIDOWS BANK SEE HOW OFFSE</a>