Lesley - You are not wrong about off-set mortgage but take care, technically you have promoted a regulated financial services pruduct without the appropriate warnings, authorisation or qualifications. That is actually a criminal offense.... I dont expect anyone to 'grass you up' though
.....
These mortgages are very good products (I have a One Account - as Virgin one are now called) and if you are self-disciplined and work them properly they are great, but you do need self-discipline with them. My usual warning with financial services products, particularly more complex ones like this, get professional advice before buying, fee based advice is always best.
Everybody please note: Your home is at risk if you do not keep up payments on a morgage.