St. James's Place Bank : Offset Mortgages

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

All St James's Place Bank Mortgages

Use this tool to find mortgages available for your loan-to-value (LTV).

Offset Mortgages

Offsetting can be a great way to use your money effectively.

You can borrow up to a maximum of 85% of the value or purchase price of your property, whichever is the lower. Show all loan-to-value tiers. However different lending limits may apply depending on your choice of mortgage. Find out more about lending limits.

We only accept remortgage applications if you have owned your property for at least 6 months.

For rates for existing customers not moving home then phone 0845 602 6200.

Offset Tracker Mortgages

With our offset tracker rate mortgages, your interest rate tracks the Bank of England's (B.o.E) base rate for a set period, and you can choose to offset your St. James's Place Bank savings and / or current account.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset tracker 60 until 1 September 2012 (B.o.E + 1.29%)	60% LTV	6.29% currently. Tracks 1.29% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.1% APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 1 million until 1 September 2012 (B.o.E + 1.54%)	60% LTV	6.54% currently. Tracks 1.54% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.1% APR
Arrangement fee: £8000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 500 until 1 September 2012 (B.o.E + 1.49%)	60% LTV	6.49% currently. Tracks 1.49% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £5000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset tracker 60 until 1 September 2013 (B.o.E + 1.29%)	60% LTV	6.29% currently. Tracks 1.29% above the BoE's base rate until 01.09.13	7.00% currently. (our offset variable mortgage rate)	7.1% APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 2 million until 1 September 2012 (B.o.E + 1.79%)	75% LTV	6.79% currently. Tracks 1.79% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £12000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 75 until 1 September 2013 (B.o.E + 1.49%)	75% LTV	6.49% currently. Tracks 1.49% above the BoE's base rate until 01.09.13	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset tracker 75 until 1 September 2012 (B.o.E + 1.49%)	75% LTV	6.49% currently. Tracks 1.49% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 75 until 1 September 2011 (B.o.E + 1.69%)	75% LTV	6.69% currently. Tracks 1.69% above the BoE's base rate until 01.09.11	7.00% currently. (our offset variable mortgage rate)	7.3% APR
Arrangement fee: £999 \| Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 1 million until 1 September 2012 (B.o.E + 1.74%)	80% LTV	6.74% currently. Tracks 1.74% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £8000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset tracker 85 until 1 September 2011 (B.o.E + 1.89%)	85% LTV	6.89% currently. Tracks 1.89% above the BoE's base rate until 01.09.11	7.00% currently. (our offset variable mortgage rate)	7.4% APR
Arrangement fee: £1499 \| Early repayment charges - 3.00% until 01.09.09, 2.00% until 01.09.10, 2.00% until 01.09.11 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 500 until 1 September 2012 (B.o.E + 1.69%)	85% LTV	6.69% currently. Tracks 1.69% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.2% APR
Arrangement fee: £5000 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.


Remortgage Offset tracker 85 until 1 September 2012 (B.o.E + 1.69%)	85% LTV	6.69% currently. Tracks 1.69% above the BoE's base rate until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.3% APR
Arrangement fee: £1499 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset tracker 85 until 1 September 2013 (B.o.E + 1.69%)	85% LTV	6.69% currently. Tracks 1.69% above the BoE's base rate until 01.09.13	7.00% currently. (our offset variable mortgage rate)	7.3% APR
Arrangement fee: £1499 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12, 2.00% until 01.09.13 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Tell me more about offset tracker mortgages

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

Offset Fixed Rate Mortgages

With our fixed rate mortgage, you have the assurance of knowing your interest rate will stay the same for a set period.

Product name	Max loan to value	Initial rate	Then changing for the remainder of the term to	The overall cost for comparison is


Remortgage Offset fixed 85 until 1 September 2012	85% LTV	7.09% fixed until 01.09.12	7.00% currently. (our offset variable mortgage rate)	7.5% APR
Arrangement fee: £999 \| Early repayment charges - 4.00% until 01.09.09, 3.00% until 01.09.10, 3.00% until 01.09.11, 2.00% until 01.09.12 on original 'special rate' advance [full redemption] \| Non-refundable valuation fee \| CHAPS Fee: £25 \| Additional Borrowing - the same as St. James's Place Bank's offset variable mortgage rate.

Offset fixed mortgages are only available on loans between £100,000 & £500,000

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


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