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[quote][i]Originally posted by Ian[/i] Compare the offset ones carefully though, just looked a few there to see how they sit alongside traditional products and all the ones I saw have a larger application fee. Cost to borrow back against a Barclays mortgage is £150 every time you do it - which you can do so long as you stay within your LTV threshold of the product. Offset one would have no fee each time you borrow back - but a £1499 set up fee. Meaning you would have to need the money 10 times to make it worthwhile affording yourself the flexibility. Plus the Barclays tracker if it is like mine comes with a reserve account facility, which works like an overdraft, the limit for which goes up as you increase the equity in the loan. I can move money from that at no cost and it currently has £20k available - which is roughly what I have paid off the balance. [/quote]
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