Compare First Time Buyer Mortgage Terms

Best 3 Year First-time Buyer Mortgages

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Representative Example

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.

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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 may receive a modest commission either when you press a 'Go to Provider' or 'Speak to an Adviser' button, when you call an advertised number or when you complete an application.

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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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