Best 3-year fixed remortgage rates, the term most borrowers skip past.
Not as ubiquitous as 2 or 5-year fixes, but when the market prices them well, 3-year remortgage fixes solve a specific timing problem that neither shorter nor longer deals do.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 B | 5.12% | £1,479on £250,000 | Dec 2029 | 5.74% | £999 | See full deal → |
Free legalsnot includedFree valuationincludedCashback£350 | ||||||
| 2 Y | 5.13% | £1,480on £250,000 | Jan 2030 | 6.74% | £1,495 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
| 3 L | 5.13% | £1,480on £250,000 | Dec 2029 | 7.24% | £999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 4 L | 5.36% | £1,514on £250,000 | Dec 2029 | 7.24% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationincluded | ||||||
| 5 S | 5.43% | £1,525on £250,000 | Jan 2030 | 6.50% | None | See full deal → |
Fee saverincludedFree legalsincludedFree valuationincludedCashback£250 | ||||||
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 fixed remortgage products occupy a quieter corner of the residential market. Most lenders concentrate their product development at 2 and 5 years, and 3-year fixes appear — and are priced competitively — intermittently. That makes the timing question more acute: when a 3-year fix is genuinely well priced, it earns attention; when the market isn’t pricing it keenly, the 2 and 5-year alternatives tend to be more straightforward choices.
The case for three years on a remortgage is most concrete when your situation doesn’t fit neatly into the standard alternatives. Perhaps you know you’ll want to move around year four, making a 5-year fix and its ERC unattractive, but you don’t need the full flexibility of a 2-year deal. Or you’re expecting a significant change in household income around year three that would let you remortgage onto a better deal or pay down substantially. Three years can also suit borrowers who are on the edge of a better LTV band and want more time to cross it cleanly before their next deal.
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