10-year fixed buy-to-let rates, a term that barely exists.
A decade-long BTL fix is almost unheard of in the UK market. When products appear, they’ll surface here — refreshed nightly. Until then, the alternatives below show what’s live.
Closest alternative: 2-year fixed
Live 2-year fixed best buys at the same filters — see the full 2-year fixed table →
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N NatWest GroupBest rate | 3.94% | £657on £200,000 int-only | 2 yrs | 6.74% | £3,999Free valuation | See full deal → |
| 2 H HSBC Bank | 4.33% | £722on £200,000 int-only | Oct 2028 | 7.25% | £3,999Free legalsFree valuation | See full deal → |
| 3 H HSBC Bank | 4.34% | £723on £200,000 int-only | Oct 2028 | 7.25% | £3,999Free valuation | See full deal → |
Closest alternative: 5-year fixed
Live 5-year fixed best buys at the same filters — see the full 5-year fixed table →
| Lender | Initial rate | Monthly | Fixed until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 N NatWest GroupBest rate | 4.32% | £720on £200,000 int-only | 5 yrs | 6.74% | £5,999Free valuation | See full deal → |
| 2 H HSBC Bank | 4.40% | £733on £200,000 int-only | Oct 2031 | 7.25% | £3,999Free legalsFree valuation | See full deal → |
| 3 H HSBC Bank | 4.48% | £747on £200,000 int-only | Oct 2031 | 7.25% | £3,999Free valuation | See full deal → |
Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.
Ten-year fixed buy-to-let mortgages are not a mainstream UK product. A handful of lenders have offered them at various points, but the segment has never established itself: BTL investors typically prioritise flexibility over ultra-long certainty, and lenders are cautious about tying up capital at fixed rates for a decade on an investment asset. The result is that this bucket is empty most of the time — not because the data is absent, but because the products themselves are not being written. This page is pre-positioned so that if a lender launches a 10-year BTL fix, it lands here overnight.
The economics of a 10-year BTL fix are also awkward. ICR assessments on a 10-year deal would logically be at or near pay rate — matching the soft-stress logic applied to 5-year fixes — but lenders’ credit and funding teams face different hedging constraints at decade-long durations. ERCs at 10 years would be correspondingly severe in the early years. For the vast majority of landlords considering long-term certainty, a 5-year fix — possibly stacked with a second 5-year term — delivers most of the same planning benefit with far more liquid exit options. The alternatives panel below surfaces those options.
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