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.

Key features of these mortgages:

• No limit on the amount you can offset.
• Interest calculated on the basis of daily balances - to give you a consistently good deal.

For all remortgages we will pay our own legal fees.

• Overpayments - flexibility to make overpayments. Bear in mind that if you repay your mortgage in full within a special rate period, early repayment charges may apply.
• Loan-to-value - 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
• Lending limits - You can borrow from £25,001 to £10 million, however different lending limits may apply depending on your choice of mortgage. Find out more about lending limits
• Portable - you can carry forward the special rate to a mortgage on a new property for the remainder of the special rate period.
• We only accept remortgage applications if you have owned your property for at least 6 months.