3-year tracker rates for home movers.
UK lenders concentrate tracker products at 2 years. When 3-year tracker home mover deals are live, they appear here — re-ranked nightly from lender product data.
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 L Lloyds BankBest rate | 4.50% | £1,390on £250,000 | Aug 2028 | 7.24% | £999 | See full deal → |
| 2 H HSBC Bank | 4.65% | £1,411on £250,000 | Oct 2028 | 6.24% | £999Free valuation | See full deal → |
| 3 N NatWest Group | 4.65% | £1,411on £250,000 | Aug 2028 | 6.74% | £995Free valuation | 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 L Lloyds BankBest rate | 4.54% | £1,395on £250,000 | Dec 2029 | 7.24% | £999 | See full deal → |
| 2 L Lloyds Bank | 4.65% | £1,411on £250,000 | Dec 2029 | 7.24% | None | See full deal → |
| 3 H Halifax | 4.74% | £1,424on £250,000 | Dec 2029 | 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 uncommon in the UK residential market. Lenders that offer trackers at all tend to structure them as 2-year deals or as lifetime trackers (which follow base rate for the mortgage’s full term rather than a fixed initial period). The 3-year tracker sits between the two without the specific advantages of either: it doesn’t have the shorter commitment of a 2-year, and it doesn’t have the long-run simplicity of a lifetime deal. As a result, most lenders don’t bother with the product at all, and the table here is empty more often than it is populated.
For a home mover weighing this term, the underlying logic is sound in theory — three years of floating-rate exposure with a defined exit point — but the shallow product range means you’re unlikely to find a 3-year tracker that beats a 2-year or lifetime equivalent on price. If your reason for wanting a tracker is chain flexibility or ERC-free exit, the 2-year tracker table is almost always better stocked. If your reason is staying variable for longer, a lifetime tracker from your chosen lender may be available where the 3-year product is not.
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