offset mortgages/WFTC income

tali122 | 18:15 Wed 12th Apr 2006 | How it Works

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iirc offset mortgages reduce the term of the mortgage and not the monthy amounts -so what if you've reduced your term by, lets say 5 years and you find a more competitive lender who you wish to switch to -can you carry over your 5 year reduction or do you lose it,? if its the latter in which case offsets becone unportable and very inflexible as you have to be stuck with the same lender

also which lenders accept 100% fully working families tax credits as income

thx

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