Today’s best 2-year tracker buy-to-let rates, floating rate, full flexibility.
BTL trackers that follow the Bank of England base rate — purchase and remortgage, re-ranked from lender product books every night. Many without early repayment charges.
| Lender | Initial rate | Monthly | Tracks until | Then | Product fee | |
|---|---|---|---|---|---|---|
| 1 B BarclaysBest rate | 4.52% | £753on £200,000 int-only | 2 yrs | 8.24% | £899 | See full deal → |
| 2 B Barclays | 4.52% | £753on £200,000 int-only | 2 yrs | 8.24% | £999 | See full deal → |
| 3 H HSBC Bank | 4.59% | £765on £200,000 int-only | Oct 2028 | 7.25% | NoneFree valuation | See full deal → |
| 4 H HSBC Bank | 4.59% | £765on £200,000 int-only | Oct 2028 | 7.25% | £1,999Free valuation | See full deal → |
| 5 H HSBC Bank | 4.59% | £765on £200,000 int-only | Oct 2028 | 7.25% | None£350 cashbackFree legalsFree 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.
A 2-year tracker sets your rate as a fixed margin above the Bank of England base rate for 24 months, moving in step whenever the base rate changes. In the BTL context, trackers appeal most to landlords whose cashflow can absorb rate movement and who want to avoid locking in if they expect base rate to fall during the term. Many BTL trackers — more than their residential equivalents — are offered without early repayment charges, making them a genuine holding position: you take the floating rate now and refinance into a fix the moment the timing suits you.
The ICR mechanics on a tracker work differently from a fixed product. Lenders stress-test a BTL tracker on a notional rate — typically the margin over base, plus an additional buffer — rather than the pay rate or a flat floor. As base rate moves, so does your actual monthly payment; the stress test is designed to check you could still cover interest if base rate rose from its current level. For landlords with higher-yielding properties the headroom is usually comfortable; in lower-yield markets the stress test deserves the same attention you’d give a fixed deal.
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