5 Year Fixed Rate Offset Mortgages

  • Offset mortgages allow you to utilise your savings to reduce your mortgage term or monthly payments thereby lowering the overall cost of your mortgage.
  • Locking your payments down for a fixed term of five years gives you more control of your costs.

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  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      2.45% Fixed to 30/11/2025
    • APRC
      3.70%
    • Product Fee
      £0
    • Monthly Repayment
      £669.15
    • Lender:
      Yorkshire Building Society
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,001
    • Max Loan:
      Varies
    • Product Description:
      2.45% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £669.15 x 62
    • Ongoing Monthly Payments:
      £800.85 x 238
    • Total Amount Payable:
      £232,759.60
    • Total Interest Payable:
      £82,089.60
    • Valuation Fee:
      £180
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2.5/1.5% Mortgage Advance
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      2.57% Fixed to 30/11/2025
    • APRC
      3.70%
    • Product Fee
      £0
    • Monthly Repayment
      £678.23
    • Lender:
      Yorkshire Building Society
    • Max First Time Buyer LTV:
      80%
    • Max House Purchase LTV:
      80%
    • Max Remortgage LTV:
      80%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      2.57% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £678.23 x 62
    • Ongoing Monthly Payments:
      £802.87 x 238
    • Total Amount Payable:
      £233,803.32
    • Total Interest Payable:
      £83,133.32
    • Valuation Fee:
      £180
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2.5/1.5% Mortgage Advance
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.18% Fixed to 30/11/2025
    • APRC
      3.90%
    • Product Fee
      £0
    • Monthly Repayment
      £725.44
    • Lender:
      Yorkshire Building Society
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £50,000
    • Max Loan:
      Varies
    • Product Description:
      3.18% Fixed to 30/11/2025
    • Incentives:
      No arrangement fees

    • Initial Monthly Repayment:
      £725.44 x 62
    • Ongoing Monthly Payments:
      £812.88 x 238
    • Total Amount Payable:
      £239,112.72
    • Total Interest Payable:
      £88,442.72
    • Valuation Fee:
      £180
    • Exit Admin Fee:
      £90
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 30/11/25: 5/4/3/2.5/1.5% Mortgage Advance
  • Coventry BS's logo'

    Coventry BS 5 Year Fixed

    • Offset
    • Initial Rate
      3.25% Fixed to 31/12/2025
    • APRC
      4.20%
    • Product Fee
      £999
    • Monthly Repayment
      £730.97
    • Lender:
      Coventry BS
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £0
    • Max Loan:
      Varies
    • Product Description:
      3.25% Fixed to 31/12/2025
    • Incentives:
      Free valuation fees (Max £670)
      free legal fees Remortgages

    • Initial Monthly Repayment:
      £730.97 x 63
    • Ongoing Monthly Payments:
      £813.69 x 237
    • Total Amount Payable:
      £239,894.64
    • Total Interest Payable:
      £88,895.64
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £0
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/12/25: 5/3/3/1/1% Sum Repaid
  • Family Building Society's logo'

    Family Building Society 5 Year Fixed

    • Offset
    • Initial Rate
      3.29% Fixed to 31/03/2026
    • APRC
      3.90%
    • Product Fee
      £599
    • Monthly Repayment
      £734.15
    • Lender:
      Family Building Society
    • Max First Time Buyer LTV:
      95%
    • Max House Purchase LTV:
      95%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £45,000
    • Max Loan:
      £500,000
    • Product Description:
      3.29% Fixed to 31/03/2026
    • Incentives:
      Free valuation fees for properties valued Max £500K

    • Initial Monthly Repayment:
      £734.15 x 66
    • Ongoing Monthly Payments:
      £806.64 x 234
    • Total Amount Payable:
      £238,906.66
    • Total Interest Payable:
      £87,207.66
    • Valuation Fee:
      £175
    • Exit Admin Fee:
      £125
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 31/3/26: 5/5/4/3/2/1% Sum Repaid
Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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