Higher rate taxpayers with above average savings who are trying to find a mortgage for a longer period are being urged to consider current account and offset mortgages. Financial research firm Defaqto claims that these customers could benefit in the long-term with regards to flexibility, tax-efficiency and a potentially shorter mortgage repayment term. In addition, by committing to one of these mortgage deals, they could be saving money through avoiding remortgaging in a bid to get better mortgage rates.