Our Best offset 3-year fixed rate mortgage tables are updated daily for the most up to date fixed offset mortgage rates available. The fixed mortgages below are the lowest 3 year fixed rate mortgages in the market with early redemption penalties. If you have any questions about the offset fixed remortgage & mortgage schemes below contact us with any queries.
Compare current offset 3 year fixed mortgage rates for a £200,000 property with a £100,000 repayment mortgage, representing 50% LTV.
Lowest current 3 year fixed Offset mortgage at 50% LTV: 5.49% (Max LTV 75%) with a £999 product fee. Rates checked 2 November 2026.
Showing 1 out of 1 matching Offset 3 year fixed mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Coventry BS | Initial Rate 5.49% then 6.54% variable | Rate Type Fixed for 2 years | Max LTV 75% | Fees £999.00 Product Fee | APRC 6.6% | Monthly Payment £612.86 Initial Monthly Payment | More Information More information |
Coventry BS Offset 2 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 5.49% (until 30/04/2029) giving you a monthly payment of £612.86 .
After your fixed rate ends, you will move to the Coventry BS standard variable rate which is currently 6.54% . This would give you a monthly repayment of £672.02 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 50% based on the figures you have entered.
The true cost of this mortgage over the initial period is £19,517.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £8.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,132.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £612.86 |
|---|---|
| Ongoing Monthly Payment | £672.02 |
| True Cost Over Initial Period | £19,517.80 |
| Total Amount Repayable | £200,963.20 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £100,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Once you compare the best 3 year fixed mortgage rates schemes if would like fixed rate mortgage advice, complete our mortgage inquiry form and we will contact you to discuses your mortgage requirements. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
