Yes, generally, you should still be able to access your savings and withdraw the money you require from your account. But in this scenario, it’s worth noting that this will have repercussions on your monthly repayments, as your instalments are likely to increase. Additionally, lenders may have specific rules when it comes to withdrawing money from your offset savings account. For example, some mortgage providers will expect you to give notice. So, it’s always wise to check the small print to know exactly what your lender’s terms and conditions are.