Now that we know how much is being offered to us, we need to consider who to speak to for financial advice. While on first glance the offer appears generous, by my own calculations of our typical offset usage, it undervalues the offset, and fails to take into consideration our potential for additional future offsetting. They have offered us approx 15% of the total of our remaining mortgage, or 40% of the interest to be paid for the remaining term, if calculated at 4%. Are there any advisors who are specialising in providing advice on this situation? Or is this something any good financial advisor should be able to give guidance on?