3-year tracker remortgage rates, a thin market by design.
UK lenders cluster trackers at 2 years. 3-year tracker remortgage products exist occasionally — when they do, they’ll appear here. Re-ranked nightly from our lender data ingest.
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 S Skipton BSBest rate | 3.24% | £1,217on £250,000 | Oct 2028 | 6.29% | None | See full deal → |
| 2 L Leeds BS | 4.43% | £1,380on £250,000 | Sept 2028 | 7.74% | £1,599£200 cashbackFree valuation | See full deal → |
| 3 N Nationwide BS | 4.46% | £1,384on £250,000 | 2 yrs | 6.49% | £999Free 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 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 → |
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.
The 3-year tracker remortgage barely exists as a product category in the UK. Lenders who offer trackers at all tend to concentrate them at 2 years, and occasionally 5 years — three years is a term that the market simply doesn’t serve with trackers in any consistent way. This page is built and maintained so that when a lender does price a 3-year tracker remortgage product, it surfaces immediately; but the honest expectation is that the table will be empty more often than not.
If the market is what you need — a floating rate without a long commitment — the 2-year tracker is almost certainly the right place to look. It carries the same structural features (base rate plus margin, often ERC-free) with far more lender choice. The 5-year tracker is the only other option, and it carries a longer commitment alongside the variable rate. There is no particular reason to hold out for a 3-year tracker if neither of those fits your situation — the product may simply not exist at the time you need it.
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.
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