3 Year Fixed Rate Remortgage
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.
Post Office Remortgage – 2 Year 60% LTV
Post Office – 2 Year Fixed Remortgage Deal
- Initial Rate – 1.50%
- 60% Loan To Value (LTV)
- 2 Year Fixed
Overall cost for comparison 4.3% APRC
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?
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.27%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.34%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.34%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.37%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.70%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.78%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
No
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.94%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
75%
Product Fee
No
Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
2.02%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
90%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
2.02%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
90%
Product Fee
Yes
Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes
Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.75%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
3 Years
Initial Interest Rate
1.96%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
70%
Product Fee
No
Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.59%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.66%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes
Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.66%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.56%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes
Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.90%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
75%
Product Fee
No
Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.69%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.35%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes
Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes
Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.55%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
65%
Product Fee
Yes
Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.75%
Reverts to 4.99%
Reverts to 4.99%
Max LTV
75%
Product Fee
Yes
Type
Tracker Remortgage
Initial Term
2 Years
Initial Interest Rate
1.33%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes
Type
Tracker Remortgage
Initial Term
2 Years
Initial Interest Rate
1.33%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
60%
Product Fee
Yes
Type
Tracker Remortgage
Initial Term
2 Years
Initial Interest Rate
1.44%
Reverts to 4.24%
Reverts to 4.24%
Max LTV
75%
Product Fee
Yes
Type
Lifetime Tracker
Initial Term
Term of Mortgage
Interest Rate
4.74%
Max LTV
90%
Product Fee
No
Type
Lifetime Tracker
Initial Term
Term of Mortgage
Interest Rate
4.74%
Max LTV
95%
Product Fee
No
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.40%
Reverts to 5.24%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.59%
Reverts to 5.24%
Reverts to 5.24%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.60%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.60%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Tracker Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
1.62%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Tracker Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.64%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
1.55%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes
Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.78%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
No
Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
1.88%
Reverts to 5.24%
Reverts to 5.24%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
1.86%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.05%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.05%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.19%
Reverts to 5.24%
Reverts to 5.24%
Max LTV
60%
Product Fee
No
Type
Tracker Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
2.41%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let Remortgage
Initial Term
5 Years
Initial Interest Rate
2.41%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
10 Years
Initial Interest Rate
2.46%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
60%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.46%
Reverts to 5.24%
Reverts to 5.24%
Max LTV
75%
Product Fee
No
Type
Fixed Buy-to-Let Remortgage
Initial Term
2 Years
Initial Interest Rate
2.51%
Reverts to 4.74%
Reverts to 4.74%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
2.12%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
10 Years
Initial Interest Rate
3.24%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
75%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
2 Years
Initial Interest Rate
2.99%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes
Type
Fixed Buy-to-Let
Initial Term
5 Years
Initial Interest Rate
3.48%
Reverts to 5.19%
Reverts to 5.19%
Max LTV
80%
Product Fee
Yes