3-year tracker mortgage rates, a term the market rarely prices.
UK lenders concentrate tracker products at 2 years and lifetime terms — 3-year trackers are uncommon. When they exist, you’ll find them here. Live alternatives are always shown.
Closest alternative: 2-year fixed
Live 2-year fixed best buys at the same filters — see the full 2-year fixed table →
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 S Skipton BSBest rate | 3.24% | £1,217on £250,000 | Oct 2028 | 6.29% | None | See full deal → |
| 2 H Halifax | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 3 L Lloyds Bank | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
Closest alternative: 3-year fixed
Live 3-year fixed best buys at the same filters — see the full 3-year fixed table →
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H HalifaxBest rate | 4.37% | £1,371on £250,000 | Sept 2029 | 7.24% | £999 | See full deal → |
| 2 L Lloyds Bank | 4.37% | £1,371on £250,000 | Sept 2029 | 7.24% | £999 | See full deal → |
| 3 L Lloyds Bank | 4.37% | £1,371on £250,000 | 3 yrs | 7.24% | £999 | See full deal → |
Monthly payments illustrated on a £250,000 repayment mortgage over 25 years; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Three-year tracker mortgages are not a standard offering in the UK residential market. Lenders that price tracker products almost universally concentrate on the 2-year term, with lifetime trackers as a secondary option. The 3-year tracker sits in a gap between those two conventional products and appears inconsistently — typically when a lender is testing demand or filling a specific distribution requirement. If the table above is empty, that reflects the live state of the market rather than any limitation in the data we collect.
If you want the variable-rate flexibility of a tracker with a defined end date, the practical alternative is a 2-year tracker — which gives you the same margin-above-base-rate transparency and, in many cases, no early repayment charge, meaning you could exit or extend at the two-year point without penalty. A lifetime tracker is a different proposition: it runs indefinitely at a set margin above base rate, without a fixed end date, and typically requires a remortgage to exit rather than simply expiring. The table below shows the closest live alternatives re-ranked from our nightly product data.
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