Today’s best buy-to-let rates, for purchase and remortgage.
BTL purchase and remortgage best-buys side by side — fixed and tracker, 2 to 10 year terms, built from lender data we ingest and quality-check every night. Monthly payments quoted interest-only on £200,000 — the market convention.
Purchase best rates
Top BTL deals for a new rental property purchase. Monthly shown interest-only.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H | 4.92% | £820on £200,000 int-only | Jan 2029 | 7.25% | £3,999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 2 S | 4.99% | £832on £200,000 int-only | Jan 2029 | 6.50% | £1,749 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 3 B | 5.22% | £870on £200,000 int-only | Dec 2028 | 8.24% | £899 | See full deal → |
Free legalsnot includedFree valuationnot included | ||||||
| 4 H | 5.44% | £907on £200,000 int-only | Jan 2029 | 7.25% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationincluded | ||||||
| 5 L | 5.71% | £952on £200,000 int-only | Jan 2029 | 8.04% | None | See full deal → |
Fee saverincludedFree legalsnot includedFree valuationnot included | ||||||
Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Deep dive: best purchase rates by term →
Remortgage best rates
Refinance your rental at today's lowest BTL rates. Monthly shown interest-only.
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 H | 5.04% | £840on £200,000 int-only | Jan 2029 | 7.25% | £3,999 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
| 2 S | 5.24% | £873on £200,000 int-only | Jan 2029 | 6.50% | £1,749 | See full deal → |
Free legalsincludedFree valuationincludedCashback£250 | ||||||
| 3 P | 5.25% | £875on £200,000 int-only | Jan 2029 | 6.80% | 3% | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 4 H | 5.54% | £923on £200,000 int-only | Jan 2029 | 7.25% | None | See full deal → |
Fee saverincludedFree legalsincludedFree valuationincluded | ||||||
| 5 B | 5.62% | £937on £200,000 int-only | Dec 2028 | 8.24% | None | See full deal → |
Fee saverincludedFree legalsincludedFree valuationnot included | ||||||
Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Deep dive: best remortgage rates by term →
Buy-to-let mortgages are a different product category from residential, priced and assessed on different rules. Lenders care first about whether the rent covers the mortgage — the interest cover ratio (ICR) — and typically require it to do so at a stressed rate, not just the deal rate. Fees lean heavier too: percentage-based arrangement fees of 2–3% of the loan are common rather than the flat fees typical in residential. And almost all BTL borrowing is structured interest-only, keeping monthly costs low and preserving cashflow. The tables above reflect all of this: monthly figures are interest-only throughout.
The two boards — purchase and remortgage — draw from the same lender universe but track different products. Remortgage ranges often include incentives such as free valuation or cashback; purchase ranges may carry tighter ICR hurdles on certain terms. LTV works slightly differently too: most BTL lending concentrates at 75% LTV and below, with the sharpest pricing at 60%, and a minority of lenders stretching to 80%. Use the LTV selector to price your own position, then open the purpose or term page that matches your situation for a deeper comparison.
We ingest the data ourselves
Most comparison tables license the same third-party panel. We build ours directly from lender product data, run through our own quality-assurance pipeline — so we sometimes list deals other sites miss.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
Mortgages only
We're the UK's only mortgage-only comparison site. No credit cards, no car insurance — just every flavour of mortgage, done properly.
Frequently asked questions
How these tables work, and how to choose between the deals on them.