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Use our rate table below to compare three-year fixed rate first-time buyer mortgages. You can refine the results to suit your loan-to-value by adjusting the 'property value' and 'I need to borrow' fields.  Find out more about comparing three-year fixed rate first-time buyer mortgages.

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Post Office Money® Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Post Office Money® Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Clydesdale Bank Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Go To Provider's Site
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Barclays Mortgage Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Barclays Mortgage Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Family Building Society Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Marsden BS Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Marsden BS Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Santander Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Santander Logo
Rate
%
APRC
Product Fees
Initial Monthly Payment
Total Repayable Over years
Speak To A Broker
Maximum Loan to Value
Charges and Fees
Application Criteria
Flexible Features
Incentives
Revert Rates

Maximum Loan to Value

First Time Buyers
Second Time Buyers
Remortgage
Minimum Loan
Maximum Loan

Charges and Fees

Early Repayment Charge
Exit Fees

Application Criteria

Maximum Age
Minimum Income
Available To

Flexible Features

Underpayments
Overpayments
Payment Holidays
Draw Down
Lump Sum

Incentives

Revert Rate

Representative Example

Disclaimer

Credit will be secured by a mortgage on your property. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

Quick Links

Quick links are where we have an arrangement with a provider so you can move directly from our site to theirs to view more information and apply for a product. We also use quick links where we have an arrangement with a preferred broker to move you directly to their site. Depending on the arrangement we will may receive a modest commission either when you press a 'Go to Provider' or 'Speak to an Adviser' buttons, when you call an advertised number or when you complete an application.

Still not sure?

Read all mortgage guides
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This guide is essential reading for any first time buyer.

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What are the best three-year first-time buyer mortgages?

Many providers will offer those buying their first home a special mortgage deal - often referred to as a first-time buyer mortgage. Quite a number of these tend to also be fixed rate - that's to say that for a set period (three years in this example) your mortgage repayments are fixed at a certain level and will not change from month to month. This allows you to budget more effectively during the opening years of your mortgage.

How our best three-year first-time buyer mortgage comparison works

Understanding the comparison table for three-year fixed rate mortgages is simple: At the top are listed all those deals which you can apply for directly. These are identified by the 'Go To Provider's Site' button. Underneath these are all the other deals offered in the marketplace. Both types are listed in interest rate order. To reorder the whole table into rate order, just untick the box at the top of the search table.

How to choose the best three-year first-time buyer mortgage deal for you

The question of which three-year fixed rate first-time buyer mortgage is best for you depends on a number of factors: firstly, there is the interest rate to be charged both over the fixed period and whatever this will revert back to once the fixed period has ended. Other considerations might be what benefits - such as free valuation or legal fees - the mortgage provider is offering.

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