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3 Year Fixed Rate First-Time Buyer Mortgages

Compare three-year fixed rate first-time buyer mortgages

The mortgages below show the best three-year fixed rate mortgage rates available for those who are first-time buyers at 90% LTV. You can personalise the chart below by adding the value of the property you want to buy and the value of the mortgage you want to get.
If you're not a first-time buyer you can also search for remortgages and moving home mortgages.

 

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Compare First Time Buyer Mortgage Terms

Best 3 Year First-time Buyer Mortgages

Best 3 Year First-time Buyer Mortgages

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  • Virgin Money Fixed
    Rate
    3.34%
    3.34% Fixed to 01/08/2024
    reverting to 4.34%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £0.00
    Initial Payment
    £783.45
    Total Over
    Go To Provider's Site
  • Bath BS Fixed
    Rate
    3.19%
    3.19% Fixed for 3 years
    reverting to 4.90%
    APRC
    4.6%
    Max LTV
    90%
    Product Fees
    £836.84
    Initial Payment
    £770.82
    Total Over
    Speak To A Broker
  • Scottish BS Fixed
    Rate
    3.19%
    3.19% Fixed for 3 years
    reverting to 4.94%
    APRC
    4.7%
    Max LTV
    90%
    Product Fees
    £995.00
    Initial Payment
    £770.82
    Total Over
    Speak To A Broker
  • Metro Bank Fixed
    Rate
    3.29%
    3.29% Fixed for 3 years
    reverting to 3.60%
    APRC
    3.7%
    Max LTV
    90%
    Product Fees
    £999.00
    Initial Payment
    £779.22
    Total Over
    Speak To A Broker
  • TSB Fixed
    Rate
    3.44%
    3.44% Fixed to 31/08/2024
    reverting to 2.59% Variable
    APRC
    2.9%
    Max LTV
    90%
    Product Fees
    £995.00
    Initial Payment
    £791.93
    Total Over
    Speak To A Broker
  • Newbury BS Fixed
    Rate
    3.44%
    3.44% Fixed to 30/05/2024
    reverting to 3.95%
    APRC
    3.9%
    Max LTV
    90%
    Product Fees
    £600.00
    Initial Payment
    £791.93
    Total Over
    Speak To A Broker
  • Yorkshire Building Society Fixed
    Rate
    3.46%
    3.46% Fixed to 31/05/2024
    reverting to 3.75%
    APRC
    4.2%
    Max LTV
    90%
    Product Fees
    £495.00
    Initial Payment
    £793.63
    Total Over
    Speak To A Broker
  • Loughborough BS Fixed
    Rate
    3.49%
    3.49% Fixed for 3 years
    reverting to 5.34%
    APRC
    5.0%
    Max LTV
    100%
    Product Fees
    £0.00
    Initial Payment
    £796.19
    Total Over
    Speak To A Broker
  • Accord Mortgages Fixed
    Rate
    3.51%
    3.51% Fixed to 31/08/2024
    reverting to 3.75%
    APRC
    4.2%
    Max LTV
    90%
    Product Fees
    £495.00
    Initial Payment
    £797.90
    Total Over
    Speak To A Broker
  • West Brom BS Fixed
    Rate
    3.54%
    3.54% Fixed to 30/06/2024
    reverting to 3.99%
    APRC
    4.0%
    Max LTV
    90%
    Product Fees
    £0.00
    Initial Payment
    £800.46
    Total Over
    Speak To A Broker
Representative Example
Note

Mortgage Advice Bureau offers fee free mortgage advice for Moneyfacts visitors that call on 0808 149 9177 or email moneyfacts@mab.org.uk. If you contact Mortgage Advice Bureau outside of these channels you may incur a fee of up to 1%.

Any contractual relationship will be with Mortgage Advice Bureau.

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

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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