Our Halifax 3 year fixed rate mortgage tables are updated daily to give you the best Halifax 3 year fixed mortgage deals on the market. The Halifax 3 year fixed rate mortgage below are the lowest fixed mortgage rates available with early repayment charges. If you have any questions about the Halifax 3 year fixed mortgage rate schemes below contact us with any queries.
Current Halifax 3 year fixed mortgage rates based on a property value of £200,000 and a mortgage of £120,000 . This represents a 60% LTV repayment mortgage.
Showing 8 out of 8 matching Halifax 3 year fixed mortgage rates, correct as of 13/09/2026.
| Lender | Initial Rate | Mortgage Type | Initial Period | Max LTV | Product Fee | APRC | More Information |
|---|---|---|---|---|---|---|---|
| Halifax | 4.43% | Fixed | 3 years | 60% | £999.00 | 6.7% | See more information |
| Halifax | 4.43% | Fixed | 3 years | 60% | £999.00 | 6.7% | See more information |
| Halifax | 4.54% | Fixed | 3 years | 60% | No fee | 6.6% | See more information |
| Halifax | 4.54% | Fixed | 3 years | 60% | No fee | 6.6% | See more information |
| Halifax | 4.63% | Fixed | 3 years | 60% | £999.00 | 6.7% | See more information |
| Halifax | 4.63% | Fixed | 3 years | 60% | £999.00 | 6.7% | See more information |
| Halifax | 4.74% | Fixed | 3 years | 60% | No fee | 6.7% | See more information |
| Halifax | 4.74% | Fixed | 3 years | 60% | No fee | 6.7% | See more information |
For the first 3 years the mortgage rate is 4.43% giving you a monthly payment of £661.60 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £843.43 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,901.40 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£661.60
Ongoing Monthly Payment
£843.43
True Cost Over Initial Period
£26,901.40
Total Amount Repayable
£247,036.63
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.43%
Initial rate period: 3 years
Initial monthly payment: £661.60
Monthly payment after initial period: £843.43
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,901.40
True cost over full mortgage term: £247,036.63
For the first 3 years the mortgage rate is 4.43% giving you a monthly payment of £661.60 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £843.43 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,901.40 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£661.60
Ongoing Monthly Payment
£843.43
True Cost Over Initial Period
£26,901.40
Total Amount Repayable
£247,036.63
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.43%
Initial rate period: 3 years
Initial monthly payment: £661.60
Monthly payment after initial period: £843.43
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,901.40
True cost over full mortgage term: £247,036.63
For the first 3 years the mortgage rate is 4.54% giving you a monthly payment of £669.07 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £844.44 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,193.73 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£669.07
Ongoing Monthly Payment
£844.44
True Cost Over Initial Period
£26,193.73
Total Amount Repayable
£246,592.57
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.54%
Initial rate period: 3 years
Initial monthly payment: £669.07
Monthly payment after initial period: £844.44
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.6%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,193.73
True cost over full mortgage term: £246,592.57
For the first 3 years the mortgage rate is 4.54% giving you a monthly payment of £669.07 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £844.44 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,193.73 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£669.07
Ongoing Monthly Payment
£844.44
True Cost Over Initial Period
£26,193.73
Total Amount Repayable
£246,592.57
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.54%
Initial rate period: 3 years
Initial monthly payment: £669.07
Monthly payment after initial period: £844.44
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.6%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,193.73
True cost over full mortgage term: £246,592.57
For the first 3 years the mortgage rate is 4.63% giving you a monthly payment of £675.22 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £845.25 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £27,432.58 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£675.22
Ongoing Monthly Payment
£845.25
True Cost Over Initial Period
£27,432.58
Total Amount Repayable
£248,042.83
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.63%
Initial rate period: 3 years
Initial monthly payment: £675.22
Monthly payment after initial period: £845.25
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £27,432.58
True cost over full mortgage term: £248,042.83
For the first 3 years the mortgage rate is 4.63% giving you a monthly payment of £675.22 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £845.25 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £27,432.58 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £1,099.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£675.22
Ongoing Monthly Payment
£845.25
True Cost Over Initial Period
£27,432.58
Total Amount Repayable
£248,042.83
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.63%
Initial rate period: 3 years
Initial monthly payment: £675.22
Monthly payment after initial period: £845.25
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £1,099.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £27,432.58
True cost over full mortgage term: £248,042.83
For the first 3 years the mortgage rate is 4.74% giving you a monthly payment of £682.77 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £846.23 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,728.03 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£682.77
Ongoing Monthly Payment
£846.23
True Cost Over Initial Period
£26,728.03
Total Amount Repayable
£247,594.06
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.74%
Initial rate period: 3 years
Initial monthly payment: £682.77
Monthly payment after initial period: £846.23
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,728.03
True cost over full mortgage term: £247,594.06
For the first 3 years the mortgage rate is 4.74% giving you a monthly payment of £682.77 .
After your fixed rate ends, you will move to the Halifax standard variable rate which is currently 7.24% . This would give you a monthly repayment of £846.23 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,728.03 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £100.00 |
| Early Repayment Charge | 31-Dec-2029 |
Initial Monthly Payment
£682.77
Ongoing Monthly Payment
£846.23
True Cost Over Initial Period
£26,728.03
Total Amount Repayable
£247,594.06
Lender: Halifax
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.74%
Initial rate period: 3 years
Initial monthly payment: £682.77
Monthly payment after initial period: £846.23
Standard Variable Rate: 7.24%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £0.00
Valuation fee: £100.00
Total fees: £100.00
APR: 6.7%
Early repayment charge: 31-Dec-2029
True cost over initial period: £26,728.03
True cost over full mortgage term: £247,594.06
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Once you compared the Halifax 3 year fixed rate mortgage & remortgage schemes if would like fixed rate mortgage advice, complete our enquiry form and we will contact you to discuses your Halifax mortgage requirements. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
The above information does not contain all the details you need to choose a mortgage. Please consult one of our qualified mortgage brokers before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment you may make.
