3 Year Fixed Rate Remortgage
Compare 3 Year Fixed Rate Remortgage Deals
Latest Deal - NatWest 2 Year Fixed »
Call FREE - 0800 158 2934
- £250 CASHBACK
- 2 Year Fixed up to 60% LTV Deal »
- 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.
If you are looking for three year fixed rate remortgage deals, you can use our mortgage tables below:
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
|---|---|---|---|---|---|---|
 Call FREE on 0330 057 1528 | Fixed | 1.78% Reverts to 4.79% | 3 Years | 65% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0330 057 1528 | Fixed | 1.79% Reverts to 4.79% | 3 Years | 70% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0330 057 1528 | Fixed | 1.80% Reverts to 4.79% | 3 Years | 75% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0808 178 6813 | Fixed | 1.99% Reverts to 4.74% | 3 Years | 70% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 077 4336 | Fixed | 2.14% Reverts to 3.94% | 3 Years | 85% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0330 057 1528 | Fixed | 1.99% Reverts to 4.79% | 3 Years | 80% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0330 057 1528 | Fixed | 1.99% Reverts to 4.79% | 3 Years | 85% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.20% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0330 057 1528 | Fixed | 2.18% Reverts to 4.79% | 3 Years | 90% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 2.14% Reverts to 3.94% | 3 Years | 90% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term. | ||||||
£500 CASHBACK Call FREE on 0808 178 6813 | Fixed | 2.56% Reverts to 4.74% | 3 Years | 90% | No | More Info > |
| £500 Cashback. Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term. | ||||||
Representative Example:
A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.
The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).
In this example the overall cost for comparison is 3.7% APRC representative.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Compare 3 Year Fixed Rate Remortgages
A three year fixed rate remortgage deal will protect you against potential interest rate rises, because your monthly mortgage repayments will remain fixed for the length of the agreement.
Three year fixed rate remortgages often come with a higher arrangement fee than tracker remortgages. Despite this, they remain popular with borrowers as they offer the benefit of fixed monthly repayments. Because your monthly repayments are fixed for a 3 year period, your monthly repayments will remain the same even if interest rates increase.
However, if rates drop during the three year period you will not benefit from the lower interest rates that are available. Also, if rates do rise over the 3 year period, you could face a steep increase in your monthly repayments when your three year deal ends. At this point, you may want to consider remortgaging again to ensure you are still getting a good deal.
3 Year fixed rate remortgage deals
Remember to compare the interest rates offered by lenders as well as any fees and eligibility criteria. You should check whether you're tied to the mortgage deal for a fixed term, whether the rate of interest applied during this time is fixed or variable (and if so, what rate it tracks) and whether early repayment charges will apply if you want to overpay.
As with any mortgage or remortgage, you will need to check the lender's specific requirements and ensure that you are eligible before you apply. Remortgage lenders will consider criteria such as:
- How much existing equity do you have?
- How much do you earn?
- How stable is your income?
- Do you have any outstanding debts?
- Do you have a good credit history?
| Mortgage Service | Independent Mortgage Advice | Mortgage Quotes Tailored to you | Fast Track Service | Mortgage Protection Review | Get Quotes |
|---|---|---|---|---|---|
 |  | | | | More Info > |
Call 0117 332 6063 to speak to the Fair Mortgages team. |
|||||
Top 5 Mortgage Deals
Find a selection below of top mortgage deals based on "loan to value" or LTV - so if you have a 25% deposit or 25% equity in your home click on the 75% LTV tab for latest deals
Provider | Type | Initial Interest Rate | Initial Term | Max LTV* | Product Fee | |
|---|---|---|---|---|---|---|
 £250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.54% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term. | ||||||
Call FREE on 0800 077 4336 | Fixed | 1.69% Reverts to 3.94% | 3 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. | ||||||
 Call FREE on 0800 158 2934 | Tracker | 1.84% Reverts to 3.99% | 2 Years | 60% | Yes | More Info > |
| Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 158 2934 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term. | ||||||
£250 CASHBACK Call FREE on 0800 096 7447 | Fixed | 1.95% Reverts to 3.99% | 5 Years | 60% | Yes | More Info > |
| £250 Cashback. Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term. | ||||||
Representative Example:
A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.
The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).
In this example the overall cost for comparison is 3.7% APRC representative.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
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
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