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Application
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Monday: 05 Mar 18
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Barclays Chat History

Welcome to Barclays web chat. A Barclays colleague will be with you shortly.

[17:34:16] Anthony Siggers: Hi, I have a question about your offset mortgages
[17:34:25] Joel: Just to make you aware any response in this chat is specific to the case
and/or circumstances as described by yourself. It does not constitute agreement to an
application or set any precedent. Each case will be assessed individually on submission,
including undertaking a full credit bureau check, in accordance with our policy at that
time.

Welcome to Barclays Webchat service. My name is Joel. How may I help today?
[17:34:31] Anthony Siggers: Hi
[17:35:12] Anthony Siggers: So I understand that I can have a current account associated
with the mortgage account, and any credit balances in the current account are offset
against the balance of the mortgage thus resulting in lower interest ...
[17:35:19] Anthony Siggers: One question though ...
[17:36:23] Anthony Siggers: If I opt to make a part pay-off of the mortgage balance
itself, i.e., an over-payment, can I opt to withdraw that over-payment later? Or should I
make the over-payment into the current account and hence benefit from the offset with the
flexibility to withdraw it?
[17:37:14] Joel: Hi Anthony, you wouldn't be able to claim back any payments made
directly to the mortgage I'm afraid.
[17:37:41] Anthony Siggers: Ok. Any chance you could send me the terms & conditions
associated with the offset mortgage that make that clear?
[17:39:13] Joel: I can't sorry Anthony, you can save a copy of this chat in PDF format if
you'd like.
I can say for certain that once you've paid money towards the actual capital balance of
the mortgage, you can't draw down on it. If you did want to take additional funds you'd
need to apply for further borrowing.
[17:39:34] Anthony Siggers: Ok. Many thanks for the clarification
[17:39:57] Joel: No problem Anthony, can I help with anything else for now?
[17:40:11] Anthony Siggers: That's it. Thank you.
[17:40:19] Joel: Thank you for using Barclays Chat, enjoy the rest of your day!

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