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.

Fair Investment

2 Year Fixed Remortgage – 60% LTV

2 Year Fixed Remortgage Offer

Initial Rate – 1.24% APR
60% Loan To Value (LTV)
2 Year Fixed
£250 CASHBACK

Overall cost for comparison 4.00% APRC

Call NatWest FREE on 0800 158 2934

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 Remortgage

Initial Term

2 Years

Initial Interest Rate

1.24%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

Call NatWest FREE on 0800 158 2934

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Remortgage

Initial Term

2 Years

Initial Interest Rate

1.24%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

Call RBS FREE on 0800 096 7447

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Remortgage

Initial Term

2 Years

Initial Interest Rate

1.49%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

Call NatWest FREE on 0800 158 2934

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

2 Years

Initial Interest Rate

1.39%
Reverts to 3.54%

Max LTV

60%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

2 Years

Initial Interest Rate

1.69%
Reverts to 3.54%

Max LTV

75%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

2 Years

Initial Interest Rate

1.99%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

2 Years

Initial Interest Rate

2.18%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

3 Years

Initial Interest Rate

2.15%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

3 Years

Initial Interest Rate

2.18%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Remortgage

Initial Term

5 Years

Initial Interest Rate

1.39%
Reverts to 3.59%

Max LTV

60%

Product Fee

Yes

Call NatWest FREE on 0800 158 2934

£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.

Type

Fixed Remortgage

Initial Term

5 Years

Initial Interest Rate

1.69%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

Call RBS FREE on 0800 096 7447

£250 CASHBACK

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

Type

Fixed Remortgage

Initial Term

5 Years

Initial Interest Rate

1.69%
Reverts to 3.59%

Max LTV

75%

Product Fee

Yes

Call NatWest FREE on 0800 158 2934

£250 CASHBACK

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

Type

Fixed

Initial Term

5 Years

Initial Interest Rate

1.39%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

5 Years

Initial Interest Rate

1.59%
Reverts to 3.54%

Max LTV

60%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 2.70% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

5 Years

Initial Interest Rate

1.88%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.30% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

5 Years

Initial Interest Rate

1.84%
Reverts to 3.54%

Max LTV

75%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 2.80% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

10 Years

Initial Interest Rate

2.25%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.90% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

10 Years

Initial Interest Rate

3.89%
Reverts to 4.34%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type

Fixed

Initial Term

15 Years

Initial Interest Rate

2.55%
Reverts to 4.34%

Max LTV

65%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 2.80% APRC. This is the cost of the mortgage over the full term.

Type

Life Tracker

Initial Term

Term of Mortgage

Interest Rate

2.09%

Max LTV

60%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 2.20% APRC. This is the cost of the mortgage over the full term.

Type

Life Tracker

Initial Term

Term of Mortgage

Interest Rate

2.09%

Max LTV

75%

Product Fee

Yes

Call First Direct FREE on 0808 296 5500

Early redemption charges may apply. Overall Cost for Comparison 2.20% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

2 Years

Initial Interest Rate

1.60%
Reverts to 4.09%

Max LTV

60%

Product Fee

Yes

Call RBS FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

2 Years

Initial Interest Rate

1.60%
Reverts to 4.09%

Max LTV

60%

Product Fee

Yes

Call NatWest FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.50% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let

Initial Term

2 Years

Initial Rate

1.71%
Reverts to 4.54%

Max LTV

60%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.30% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let

Initial Term

5 Years

Initial Rate

1.99%
Reverts to 4.54%

Max LTV

60%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

5 Years

Initial Interest Rate

1.98%
Reverts to 4.09%

Max LTV

60%

Product Fee

Yes

Call RBS FREE on 0800 096 7962

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

5 Years

Initial Interest Rate

1.98%
Reverts to 4.09%

Max LTV

60%

Product Fee

Yes

Call NatWest FREE on 0800 056 8572

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

5 Years

Initial Interest Rate

2.23%
Reverts to 4.09%

Max LTV

75%

Product Fee

Yes

Call NatWest FREE on 0800 056 8572

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

Type

Fixed Buy-to-Let

Initial Term

10 Years

Initial Rate

2.56%
Reverts to 4.54%

Max LTV

60%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let Remortgage

Initial Term

2 Years

Initial Interest Rate

1.89%
Reverts to 4.09%

Max LTV

75%

Product Fee

Yes

Call NatWest FREE on 0800 056 8572

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

Type

Fixed Buy-to-Let

Initial Term

5 Years

Initial Rate

2.09%
Reverts to 4.54%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type

Fixed Buy-to-Let

Initial Term

10 Years

Initial Rate

3.64%
Reverts to 4.54%

Max LTV

75%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

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

Type

Fixed Buy-to-Let

Initial Term

5 Years

Initial Rate

4.48%
Reverts to 4.54%

Max LTV

80%

Product Fee

Yes

Call Virgin Money FREE on 0330 057 1595

£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.70% APRC. This is the cost of the mortgage over the full term.

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