I recently transfered my offset mortgage to Barclays. Cost me about £700. Its fully offset and is for £100k. I am 63yo and they agreed to extend it until i am 75. For £60 a year I have an overdraft facility of £100k at very low rates of interest. I will never again be able to access money so cheaply should me or my kids need to. Transfer was totally painless. After emptying my IF Plan I wrote to them asking them to close it and they even sent me a cheque for £0.06!