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@princeperch
An offset mortgage is likely to be significantly more expensive than a conventional mortgage. They are on average about 1pc higher than a normal mortgage. He'll be winning for the short period he is offset but he'll be significantly losing when he draws it down and the debt increases as the interest will be loaded up.
Most come with early repayment charges too, even if they are trackers, so it's not like he can redeem it and refinance to a normal mortgage without paying a minimum of 1pc erc.
Given the sums involved here (I am guessing but he hasn't said as he doesn't want to go to the golf club) a normal mortgage at the lowest rate of interest is likely the way to go. He can split the surplus between him and his wife for the few months it's not needed. Depending on their marginal tax rate they can benefit from either 1k or 2k of tax free interest generated on the money whilst it's on deposit. or any winnings from premium bonds are tax free.