3-year tracker buy-to-let rates, a term lenders rarely offer.
Three-year BTL trackers are an uncommon product in the UK market. When they appear, you’ll find them here — refreshed nightly. The alternatives below show what’s live today.
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 trackers are a rare combination in buy-to-let. The BTL tracker market is already thin, concentrated at 2-year terms; extending that to three years runs into lender appetite constraints at the same time as low borrower demand. A landlord who wants floating-rate exposure typically takes a 2-year deal for its flexibility, and one who wants longer-term planning typically moves to a fixed product. The 3-year tracker therefore sits in a commercial gap: not flexible enough to beat the 2-year, not certain enough to compete with a 5-year fix.
The market reality is that lenders withdraw products at this term more often than they introduce them, and the bucket is empty for the majority of the time. This page is built so that any 3-year BTL tracker that enters our nightly lender-data ingest surfaces here automatically. If you need a floating-rate product today, the 2-year tracker is the most likely live alternative; if the rate movement risk concerns you, the 5-year fixed range offers payment certainty and — for most lenders — a softer ICR stress test than any tracker.
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