Best 3-year fixed rates for home movers.
A less-crowded term that suits movers who want more runway than 2 years without committing to five. Best buys refreshed nightly from lender product data.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 L Lloyds BankBest rate | 4.37% | £1,371on £250,000 | 3 yrs | 7.24% | £999 | See full deal → |
| 2 N Nationwide BS | 4.49% | £1,388on £250,000 | 3 yrs | 6.49% | £999Free valuation | See full deal → |
| 3 L Lloyds Bank | 4.55% | £1,397on £250,000 | Sept 2029 | 7.24% | None | See full deal → |
| 4 S Santander UK | 4.55% | £1,397on £250,000 | 3 yrs | 6.50% | £999 | See full deal → |
| 5 N Nationwide BS | 4.69% | £1,417on £250,000 | 3 yrs | 6.49% | NoneFree 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 fixes are a smaller segment of the residential market than their 2 and 5-year equivalents, but lenders do offer them consistently — the product range here is typically more stable than in buy-to-let. For a home mover the attraction is a specific one: a 3-year term lands your next remortgage roughly at the mid-point of a 5-year horizon, rather than right at the start of it. If you expect your income, family size, or property ambitions to change materially in the next few years, that intermediate decision point has real value.
From a porting perspective, a 3-year fix creates a narrower window of misalignment if you top up. Suppose you port £200,000 at an existing rate and take a new 3-year sub-account for the top-up — both sub-accounts end around the same time, simplifying the remortgage two cycles from now. Contrast that with a 2-year top-up sub-account that expires a year before the ported portion, leaving you with an incomplete fix in the interim. The arithmetic won’t always work out neatly, but it’s worth mapping before you choose.
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