3-year fixed buy-to-let rates, purchase and remortgage.
The middle ground between the 2 and 5-year BTL terms. When lenders price 3-year fixes across purchase and remortgage, you’ll find the best of them here — refreshed nightly.
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.
Three-year buy-to-let fixes cover both purchase and remortgage, but they remain a thin tier in the UK BTL market. Most lenders concentrate their product ranges at 2 and 5 years and introduce 3-year products intermittently, typically when funding conditions or competitive positioning make them worthwhile. The result is that availability fluctuates: these products appear and are withdrawn without announcement, and the table above can be empty for stretches before a fresh batch lands in the nightly ingest.
When 3-year fixes are available, they occupy an awkward stress-test position. Like 2-year products, they typically attract the harder ICR assessment — pay rate plus 2% or a notional floor around 5.5% — rather than the softer stress applied to 5-year fixes. That means a landlord remortgaging with tight rental yield may find borrowing capacity identical to a 2-year deal despite the extra year of commitment. The appeal is behavioural as much as financial: three years maps neatly onto planning cycles, rent reviews and letting arrangements in a way that two years sometimes doesn’t.
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.
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Frequently asked questions
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