Compare 3 Year Fixed Rate Mortgages

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  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      0.94% Fixed for 3 years
    • APRC
      2.90%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      0.94% Fixed for 3 years
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £561.24
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.08% Fixed for 3 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £570.76
    Continue on Fluent Mortgages' website + More Info
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.09% Fixed to 30/11/2024
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £571.44
  • Barclays Mortgage's logo'

    Barclays Mortgage 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.12% Fixed to 31/08/2024
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £573.49
    Continue on Barclays Mortgage's website + More Info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Initial Rate
      1.14% Fixed for 3 years
    • APRC
      2.80%
    • Product Fee
      £0
    • Monthly Repayment
      £574.87
    Continue on Fluent Mortgages' website + More Info
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.14% Fixed for 3 years
    • APRC
      2.60%
    • Product Fee
      £0
    • Monthly Repayment
      £574.87
    Continue on Fluent Mortgages' website + More Info
  • TSB's logo'

    TSB 3 Year Fixed

    • Initial Rate
      1.19% Fixed to 30/11/2024
    • APRC
      3.00%
    • Product Fee
      £995
    • Monthly Repayment
      £578.30
    Continue on Fluent Mortgages' website + More Info
  • TSB's logo'

    TSB 3 Year Fixed

    • Initial Rate
      1.24% Fixed to 30/11/2024
    • APRC
      2.40%
    • Product Fee
      £995
    • Monthly Repayment
      £581.75
    Continue on Fluent Mortgages' website + More Info
  • TSB's logo'

    TSB 3 Year Fixed

    • Initial Rate
      1.24% Fixed to 30/11/2024
    • APRC
      3.10%
    • Product Fee
      £995
    • Monthly Repayment
      £581.75
    Continue on Fluent Mortgages' website + More Info
  • Coventry BS's logo'

    Coventry BS 3 Year Fixed

    • Initial Rate
      1.29% Fixed to 30/09/2024
    • APRC
      3.70%
    • Product Fee
      £999
    • Monthly Repayment
      £585.22
    Continue on Fluent Mortgages' website + More Info
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.29% Fixed to 30/11/2024
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £585.22
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.29% Fixed to 30/11/2024
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £585.22
  • Click here to see 1 similar product
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.34% Fixed to 30/11/2024
    • APRC
      3.00%
    • Product Fee
      £0
    • Monthly Repayment
      £588.69
  • Nationwide BS's logo'

    Nationwide BS 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.39% Fixed for 3 years
    • APRC
      3.00%
    • Product Fee
      £0
    • Monthly Repayment
      £592.18
    Continue on Fluent Mortgages' website + More Info
  • West Brom BS's logo'

    West Brom BS 3 Year Fixed

    • Initial Rate
      1.44% Fixed to 31/10/2024
    • APRC
      3.40%
    • Product Fee
      £999
    • Monthly Repayment
      £595.69
    Continue on Fluent Mortgages' website + More Info
  • Leeds BS's logo'

    Leeds BS 3 Year Fixed

    • Initial Rate
      1.54% Fixed to 31/10/2024
    • APRC
      4.20%
    • Product Fee
      £999
    • Monthly Repayment
      £602.73
    Continue on Fluent Mortgages' website + More Info
  • Coventry BS's logo'

    Coventry BS 3 Year Fixed

    • Initial Rate
      1.55% Fixed to 30/09/2024
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £603.43
    Continue on Fluent Mortgages' website + More Info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.55% Fixed to 31/10/2024
    • APRC
      3.30%
    • Product Fee
      £495
    • Monthly Repayment
      £603.43
    Continue on Fluent Mortgages' website + More Info
  • Yorkshire Building Society's logo'

    Yorkshire Building Society 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.60% Fixed to 31/10/2024
    • APRC
      3.60%
    • Product Fee
      £495
    • Monthly Repayment
      £606.98
    Continue on Fluent Mortgages' website + More Info
  • Chelsea Building Society's logo'

    Chelsea Building Society 3 Year Fixed

    • Cashback Available
    • Initial Rate
      1.65% Fixed to 31/10/2024
    • APRC
      3.20%
    • Product Fee
      £495
    • Monthly Repayment
      £610.53
    Continue on Fluent Mortgages' website + More Info
  • Coventry BS's logo'

    Coventry BS 3 Year Fixed

    • Initial Rate
      1.65% Fixed to 30/09/2024
    • APRC
      3.80%
    • Product Fee
      £999
    • Monthly Repayment
      £610.53
    Continue on Fluent Mortgages' website + More Info
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.69% Fixed to 30/11/2024
    • APRC
      3.10%
    • Product Fee
      £0
    • Monthly Repayment
      £613.39
  • HSBC's logo'

    HSBC 3 Year Fixed

    • Initial Rate
      1.69% Fixed to 30/11/2024
    • APRC
      3.10%
    • Product Fee
      £0
    • Monthly Repayment
      £613.39
  • Click here to see 1 similar product

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with Fluent Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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Last updated on 04 March 2021.

3-Year Fixed Rate Mortgages FAQ

What is a three-year fixed-rate mortgage?

Lenders often provide mortgages for customers, where the rate of interest to be paid is effectively fixed for a term of three years. These products may be ideal for new borrowers, as they make interest costs easier to budget for, as the rate remains stable for the duration of the term.

Why are fixed-rate mortgages more commonplace?

In a period where the Bank of England’s base rate is low, there is downward pressure on rates in the mortgage market. One advantage of a fixed-rate mortgage is that a low rate can be locked in for a period of time, keeping your interest payments consistent, even if market rates increase during the term.

What happens to interest when the term expires?

Unless you make plans for a new fixed rate with your provider, you will be automatically placed on their default rate of interest, known as their Standard Variable Rate or SVR.

Is an SVR more costly than a fixed-rate mortgage?

Three-year fixed-rate mortgages are cheaper to pay off than those using the provider’s SVR, as the SVR is often more volatile and entails a higher rate. This would lead to significantly higher interest on your monthly payments, adding greater pressure on finances over time.

Where can I compare three-year fixed-rate mortgages?

To find the best fixed-rate mortgage for your financial circumstances, use NerdWallet’s handy comparison tables for an array of products, durations and interest rates.

How does a fixed-rate mortgage differ from a variable-rate mortgage?

The interest rate on a variable-rate mortgage fluctuates over time, making overall costs on its monthly repayments more volatile. This is because interest would be subject to both the direction of market rates and the base rate set by the Bank of England.

How does a fixed term differ from amortization period?

The fixed term is the duration in which your mortgage interest rate is frozen. This would be for three years, under a three-year fixed rate mortgage. The amortization period is different, as this is the ultimate length of time it would take to pay down the whole mortgage itself, which could take significantly longer.

Can you repay a fixed-rate mortgage early?

If your cash flow is sufficient, you may wish to pay your mortgage off earlier than planned. Your provider may permit this, but only if you also pay an Early Repayment Charge. As a result, while it might seem like the cheaper option to pay off a mortgage sooner, you will still need to account for this additional cost.