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Current Account

Offset your Intelligent Finance current account balance against your offset mortgage. No interest paid on your current account balance means you'll save interest on the same amount of your mortgage. You'll also benefit from the convenience of online and phone banking. If you don't hold an offset mortgage you will be paid interest 0.05% AER/GROSS variable.

Our Current Account is available exclusively with a Direct Access Savings jar and an offset mortgage jar as part of an Intelligent Finance offset plan. It also gives you lots of great benefits, including:

Online and phone banking with UK call centres
Withdraw up to £300 a day from over 800,000 cash machines all over the world
Debit card, with £100 cheque guarantee facility
Hassle free move: our dedicated team will ensure all your direct debits and standing orders are moved over quickly and efficiently - and they'll keep you informed every step of the way
View your balance, move money and pay bills with our easy to use online banking service
A credit interest rate of 0.05% AER/GROSS Variable
Arranged overdraft rate of 10.05% EAR Variable.

By offsetting you can use the balance of your current account to reduce the amount of interest you pay on your offset mortgage. For example, if you have £60,000 outstanding balance on an offset mortgage and £1,000 in your current account, by not receiving interest on your current account balance, you won't pay interest on £1,000 of the outstanding mortgage balance.

Intelligent Finance is subject to the regulations laid down under the Financial Services & Markets Act 2000, which incorporated the Banking Act 1987. They abide by the voluntary Banking Code that sets out standards for dealing fairly with you and giving the information you need to choose and run your accounts.

If you wish to apply for any product from Intelligent Finance you will be passed from our web site to the website of Intelligent Finance, a division of Halifax plc.

Although we are happy to make available access to these banking services from our website, we are not making any recommendation that the products offered will be suitable for your circumstances. You should read carefully the application terms shown on Intelligent Finance website.

The savings, personal loan, credit card and Mortgage products offered by Intelligent Finance are not subject to Regulation by the Financial Services Authority

If you wish to know more information about Intelligent Finance click here.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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This Internet site is directed to UK residents only. You are responsible for satisfying yourself that under the laws of your home jurisdiction you may lawfully access this Internet site.

Please ensure you read our User Terms, Client Agreement and Privacy statement.

Cawley Financial Services Limited is authorised and regulated by The Financial Services Authority. Cawley Financial Services Limited is entered on the FSA register (www.fsa.gov.uk/register/) under reference 144101.
The Financial Services Authority do not regulate Will Writing, Loans, Credit Cards, or some forms of Mortgage, Tax Advice, Offshore Investments, Estate Planning.

Registered Office: Cawley Priory, South Pallant, Chichester, West Sussex PO19 1SY Registered in England: 2337674

Website last changed: 27/05/2009