Rates compared
Fixed-rate mortgage 3 years: current rates compared
49 providers, cheapest guide rate 0.97 % (as of 18 August 2026) — automatically collected and updated regularly.
A fixed-rate mortgage with a 3-years term locks in the rate only briefly — ideal as a bridge, when rates are expected to fall, or if you want to keep all options open (for example before a planned sale or amortisation). Short terms are usually cheaper than long ones but carry a rollover risk: after expiry, the then-current rate level applies.
9 providers without an offer for “Fixed 3 years” hidden.
Guide rates independent of property use and loan-to-value — automatically collected, last synchronised on 18 August 2026. Not an offer — only the providers' own terms apply.
Frequently asked questions about the Fixed-rate mortgage 3 years
How high are Fixed-rate mortgage 3 years rates at the moment?
As of 18 August 2026, the Fixed-rate mortgage 3 years in our comparison starts at 0.97% (cheapest guide rate among 49 providers). The rates are collected automatically and updated regularly; your personal rate depends on loan-to-value, affordability and property use.
Who is a fixed-rate mortgage with a 3-year term suitable for?
For anyone who wants to preserve short-term flexibility: as a bridge, when rates are expected to fall, or ahead of upcoming changes such as a sale or amortisation. The price is the rollover risk after expiry.
Can I combine different terms?
Yes — many split the mortgage into tranches with different terms (or combine fixed and SARON). This smooths the rollover risk but ties you more closely to the provider, because tranches rarely expire at the same time.
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