Can I offset a cash ISA against my mortgage?

You can offset instant-access cash ISAs against one of our offset mortgages, but you can’t offset fixed-term ISAs. Specific cash ISA offers may have different terms and conditions, so please refer to them for more details.

You should note that interest won’t be paid on your ISA account while it’s linked to your offset mortgage. However, linking the account may help to reduce your mortgage repayments or pay off your mortgage before the maturity date, because you’ll only be charged interest on the difference between your mortgage amount and the balances in your linked current and savings accounts.

Your home may be repossessed if you do not keep up repayments on your mortgage.