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 N Nationwide BSBest rate | 4.59% | £1,402on £250,000 | 3 yrs | 6.49% | £999Free valuation | See full deal → |
| 2 L Lloyds Bank | 4.60% | £1,404on £250,000 | 3 yrs | 7.24% | £999Free valuation | See full deal → |
| 3 L Leeds BS | 4.64% | £1,410on £250,000 | Sept 2029 | 7.74% | £999Free legalsFree valuation | See full deal → |
| 4 S Skipton BS | 4.83% | £1,437on £250,000 | Oct 2029 | 6.29% | NoneFree legalsFree valuation | See full deal → |
| 5 L Lloyds Bank | 4.83% | £1,437on £250,000 | 3 yrs | 7.24% | 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 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.
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.
Mortgages only
We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.
Frequently asked questions
How these tables work, and how to choose between the deals on them.