3 Year First Time Buyer Mortgages

Compare 3 Year First Time Buyer Mortgage Deals

Latest Deal - NatWest 2 Year Fixed Rate »

Call FREE - 0800 158 2934 

3.69%Reverts to 3.75% after 2 years
  • 2 Year Fixed - 95% LTV Deal (5% Deposit Required)
  • Call FREE - 0800 158 2934


Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

Compare latest 3 year first time buyer mortgages - use our mortgage tables below to see a selection of market leading mortgage deals - alternatively if you need advice - call our independent mortgage team on 0117 332 6063.

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*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above fixed mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what remortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

Help To Buy Mortgage Deals

Provider

Type

Initial Interest Rate

Initial Term

Max LTV*Product Fee 
Fixed

3.69%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed

3.69%

Reverts to 3.75%

2

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

3.89%

Reverts to 4.24%

2

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

3.99%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed

3.99%

Reverts to 4.70%

3

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.60% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.15%

Reverts to 4.24%

3

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 4.00%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed

4.59%

Reverts to 3.75%

5

Years

95%

NoMore Info >
Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term.
Fixed
Help to Buy

4.28%

Reverts to 4.24%

5

Years

95%

NoMore Info >
£500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

*LTV = Loan to value (how much mortgage you have or require in relation to the value of your property).

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above help to buy mortgage products are a selection of deals available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you contact our independent mortgage broker team at - independent mortgage broker or call on 0117 332 6063

First Time Buyer 3 Year Mortgage Deals

As a first time buyer, finding a 3 year mortgage deal may appear to be a daunting prospect with so many different policies available. However, it is important to remember that by conducting suitable research and comparing mortgages, first time borrowers may be able to find a much better deal from providers.

 

Before searching for an appropriate 3 year mortgage deal, first time buyers should carefully consider exactly what type of repayment deal they will require. The following is a brief explanation of each:

 

Repayment
Repayment mortgages are generally more popular due to the high level of security that they provide customers with. Customers will be expected to repay a portion of the initial loan, with an added interest rate included on top, until the entire mortgage has been repaid in full.

 

Once this has been fully repaid, most customers are generally guaranteed to own the property outright.

 

Interest Only
Customers repaying an interest only mortgage will only be expected to repay the rate of interest during the course of the loan, making payments that much easier initially.

 

However, it should be remembered that the borrower will still be expected to repay the entire borrowed amount at the end of their mortgage. Customers must have invested or saved enough money to make this payment at the end, or will risk losing the property.

 

Once this decision has been made, a suitable interest deal should be selected by first time buyers, a 3 year mortgage policy may come with a number of strengths and weaknesses. Here are some examples of the various different types of 3 year interest rate deals that are available:

  • Fixed rate mortgages
  • Tracker mortgages
  • Variable interest rate mortgages

 

If you are searching for a suitable 3 year mortgage deal, you may wish to see our mortgage comparisons tables above for more information on the various offers that are available. 

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Call 0117 332 6063

to speak to the Fair Mortgages team.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker