If your current or savings account is in credit, this might be a good solution. Under the rules of an off-set mortgage, your balance cancels out some of your borrowing and you just pay interest on what's left.
Your mortgage behaves as though you have put every penny you have into paying it off, but you still have access to your money. Some lenders will provide this kind of mortgage without insisting that you bank directly with them.
The risk with an off-set mortgage is that, if you spend any of your savings, the amount of interest-free borrowing will decrease. However, if you expect to be in credit over the full term, it is a good way of keeping payments down.
