Alternatively, you can create your own calendar using our online calendar designer tool, which supports both Excel and PDF files. Blank and printable 2025 calendar with India holidays in Word document format. Print calendar with week numbers in yearly, monthly, and weekly calendar formats. The monthly calendars are downloadable, customizable, editable, and printable in Microsoft Word, Excel, and PDF format.

Blank monthly calendar templates and planners with Sunday start. This one-page 12-month calendar template (with Sunday start) is great for viewing online… There is 2 public holidays and 6 optional holidays in the month of October 2025. There is 1 public holiday and 2 optional holidays in the month of September 2025. There is 2 public holidays and 2 optional holidays in the month of August 2025.

These fees may include arrangement fees, valuation fees, and annual account fees. We know the right questions to ask, the appetite of the lenders and can provide you a personalised quote and advice through the whole process to ensure you always know exactly what the best option is for you. At AALTO Mortgages we have been advising clients about complex mortgage needs for over a decade. A great deal of care must be taken to ensure that this strategy will fit your needs long term.

Calendar with India Holidays

Conversely, when income is higher, they can overpay, which reduces the mortgage balance faster and saves on interest. During off-peak seasons when income may be lower, the ability to underpay on a mortgage can help maintain financial stability. From the perspective of a financial planner, underpayment flexibility is a tool for efficient cash flow management. By linking the mortgage to a savings account, the interest is only charged on the net balance, which can lead to substantial interest savings over time.

• This ability to make changes can be very helpful, so you can adjust the mortgage to meet your needs.
• For instance, if the interest saved is redirected towards the principal, it can shorten the mortgage term.
• An offset mortgage is a type of flexible mortgage deal.
• If you wish to contact the support staff or get in touch with a professional, select the “Contact Support” button on the bottom left-hand side of the window.
• The decision between an offset and a traditional mortgage hinges on individual financial situations, goals, and preferences.
• As mentioned previously, offset mortgages do have some advantages, but they might not be right for everyone.

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Offset Mortgages Explained: Advantages, Disadvantages & Tips

If your income varies, a flexible mortgage with overpayment and underpayment options could give you the breathing room you need. With a flexible fixed-rate mortgage, your interest rate and monthly repayments remain the same for a set time (usually two, three or five years). Depending on the lender, it may allow you to make extra overpayments, pay off chunks of your mortgage early, or vary your monthly payment amounts. Because offsetting lets you keep dipping into your savings, you’ll be able to pay for any building work you’re planning to turn your property into your dream home. If you’re a first time buyer, an offset mortgage isn’t usually the best option, because you'll need a lot of savings as well as a deposit. Typically, the lowest LTV lenders will consider for an offset mortgage is 75% (so you’ll pay at least a 25% or £62,500 deposit on a £250,000 property, for example).

You can often add or take out money from your linked savings account without any rules that may penalise you. This offer will explain the terms and conditions of the loan once you are approved. Once lenders finish reviewing your application, they present you with a mortgage offer if they are happy to proceed. Savings in the linked account don’t earn interest but are used to reduce mortgage interest

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For example, choosing to underpay during a financial windfall could lead to a larger outstanding balance than expected if not managed properly. From the lender's perspective, there is the risk of borrowers not maintaining a sufficient savings balance to make the offset effective. These examples highlight the practical benefits and financial relief that underpayment options can offer.

Additionally, offset mortgages provide increased flexibility in managing your finances, as you can access your savings without penalty and make additional payments to further reduce your mortgage balance and interest charges. Although offset mortgages can help you save on income tax for interest earned from your savings, this benefit might not be as good as the earnings from a high-yield savings account. For lenders, offering offset mortgages with underpayment options can be a way to attract financially savvy customers who value flexibility and are likely to have surplus funds to deposit. This guide will look at offset mortgages and how this type of mortgage uses your savings to help lower the amount of interest you’ll pay in long-term.

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There are a number of calculators available that will demonstrate the long term savings and reduced monthly payments based on lump sum and regular savings. AALTO Mortgages has over a decade of experience in dealing with offset mortgages, and we can provide you our industry leading knowledge and experience. Other potential benefits, such as tax advantages and flexibility – Offset mortgages may offer tax advantages ,depending on your personal circumstances, as the interest saved may not be subject to income tax.

New Zealand Banks That Offer Offset Mortgages

Use the links below to find out about other mortgages Make sure to consider not only the rate, but also the mortgage term, how much of a deposit is needed and the fees involved. Once you’ve decided on the features you need, compare mortgages to ensure the one you choose is suitable.