Best 3-year tracker rates for first-time buyers.
A rare term in the tracker market. UK lenders cluster variable-rate products at 2 years — this page re-ranks nightly and will surface any 3-year tracker as soon as it appears.
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 H HalifaxBest rate | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 2 L Lloyds Bank | 4.27% | £1,357on £250,000 | Sept 2028 | 7.24% | £999 | See full deal → |
| 3 T The Co-operative Bank | 4.38% | £1,373on £250,000 | Dec 2029 | 6.62% | £499 | 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 T TSB Bank | 4.54% | £1,395on £250,000 | Aug 2029 | 7.24% | £995Free valuation | 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 for first-time buyers are genuinely uncommon. The UK tracker market is structured almost entirely around 2-year terms, with most lenders having little commercial reason to offer an intermediate option alongside them. When 3-year trackers do appear they tend to come from individual lenders repricing their own funding opportunistically, rather than representing a reliable or sustained product range. It is a gap in supply, not a gap in our data.
If you’re drawn to a tracker for the flexibility or the rate pricing it can offer, the 2-year tracker page is the right place to compare live deals. If you specifically want a 3-year commitment with variable-rate exposure, a whole-of-market broker can check the full intermediary range — some lender products accessible only via broker include structures that don’t appear in direct-to-consumer channels and may not surface in our nightly ingest.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.