An educational resource dedicated to helping UK homeowners understand alternative mortgage repayment strategies.
Velocity Banking UK was created to provide UK homeowners with clear, accessible information about velocity banking and other mortgage acceleration strategies.
The concept of velocity banking originated in the United States and uses a line of credit (HELOC) as a financial tool to accelerate mortgage repayment. While the strategy does not translate directly to the UK market (where HELOCs are less common), the underlying principles of cash flow optimisation and strategic debt management are highly relevant.
We adapt these concepts for the UK context, exploring how offset mortgages, overpayment strategies, and other tools available to British homeowners can achieve similar results.
This website provides general educational information only. It does not constitute financial advice. Mortgage decisions are significant financial commitments, and we strongly recommend:
For full details, see our Disclaimer.