Mortgage Compare
    Best mortgage rates · Buy-to-let · July 2026

    Today’s best 5-year fixed buy-to-let rates, the landlord’s workhorse term.

    The most widely used BTL fixed term — purchase and remortgage best-buys, re-ranked from lender product books every night. Monthly payments quoted interest-only on £200,000.

    40+ lender product books Fee & no-fee best buys No signup, no credit check Refreshed nightly
    Refreshed nightly — rates as of 13 July 2026
    Loan to valueLTV = loan ÷ property value. A £50k deposit on a £250k home is 80% LTV.
    LenderInitial rateMonthlyFixed untilThenProduct fee
    1
    N
    NatWest GroupBest rate    		4.32%£720on £200,000 int-only5 yrs6.74%£5,999Free valuationSee full deal →
    2
    H
    HSBC Bank    		4.40%£733on £200,000 int-onlyOct 20317.25%£3,999Free legalsFree valuationSee full deal →
    3
    H
    HSBC Bank    		4.48%£747on £200,000 int-onlyOct 20317.25%£3,999Free valuationSee full deal →
    4
    S
    Santander UK    		4.59%£765on £200,000 int-onlyOct 20316.50%£1,749See full deal →
    5
    S
    Santander UK    		4.59%£765on £200,000 int-only5 yrs6.50%£1,749See full deal →
    Cheapest with no product feeHSBC Bank at 4.77% — £795/moView →

    Monthly payments illustrated on a £200,000 interest-only; fees not added to the loan. Rates shown are for comparison — full lender criteria apply.

    Five-year fixes dominate buy-to-let lending for a reason that goes deeper than rate. Most BTL lenders assess ICR on a 5-year fix at or near the actual pay rate, rather than the harder stressed rate they apply to shorter terms. That single underwriting difference means the same monthly rent can support a materially larger loan at five years than at two or three — often the deciding factor for landlords at or near the lender’s rental coverage threshold. It’s a structural advantage baked into how the UK BTL market is constructed, not just a question of rate preference.

    Five years also suits portfolio planning. Payment certainty across a full letting cycle removes rate risk from cashflow modelling, and the five-year term aligns with lender review triggers, potential rent reviews, and common holding periods for investment property. Early repayment charges are the counterweight: typical BTL 5-year ERCs run at around 5% in year one, stepping down annually, so a forced sale or refinancing mid-term carries real cost. Portability is available on many products — check the product-level detail — and the standard 10% annual overpayment allowance without penalty applies across most of the market.

    5-year fixed rates by purpose

    Purchase 5-year fixed5-year fixed best buys specifically for purchases.Remortgage 5-year fixed5-year fixed best buys specifically for remortgages.

    Other terms

    2-year fixed ratesToday's best buy-to-let 2-year fixed deals.3-year fixed ratesToday's best buy-to-let 3-year fixed deals.10-year fixed ratesToday's best buy-to-let 10-year fixed deals.2-year tracker ratesToday's best buy-to-let 2-year tracker deals.3-year tracker ratesToday's best buy-to-let 3-year tracker deals.5-year tracker ratesToday's best buy-to-let 5-year tracker deals.

    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.

    01Why do 5-year BTL fixes get a softer ICR stress test than shorter terms?
    Because the refinancing risk is lower. With a 2 or 3-year fix, the lender knows you’ll need to refinance before the mid-2020s into whatever rate conditions exist then. With 5 years, the exposure period is longer and the payment is fixed for longer, so lenders assess ICR at or near the pay rate rather than adding a stress buffer. The practical effect is that a landlord with modest rental yield who can’t pass the stressed test on a short fix may qualify on a 5-year deal.
    02What early repayment charges should I expect on a 5-year BTL fix?
    Typically a sliding scale — around 5% of the loan in year one, falling by roughly 1% each year to reach 1% in year five. Most deals also allow 10% of the outstanding balance per year in overpayments without triggering the charge. BTL products can carry percentage-based fees as well as percentage ERCs, so the total cost of exiting early needs both calculations.
    03Can I take a 5-year BTL fix if I might sell the property during the term?
    Many 5-year BTL fixed products are portable — the mortgage can transfer to a new investment property — but porting is subject to lender consent and the new property meeting their criteria. If you sell without porting, the ERC applies unless the deal specifically offers a sale exemption (rare in BTL). Model the ERC cost at different exit years before committing; on a large loan, years two and three are where the charge bites hardest.
    04Are 5-year BTL fixes available for limited company borrowers?
    Yes, most lenders who offer SPV lending include 5-year fixed products in their limited company range. They’re typically priced a little above the equivalent personal-name product, and lenders apply the same pay-rate ICR stress advantage to SPV 5-year deals. The table here shows the headline BTL market; use the limited company filter on our full rates page for SPV-specific pricing.
    05How does the fee calculation change on a 5-year BTL fix?
    On a 5-year term, percentage-based arrangement fees — common in BTL at 2–3% of the loan — are spread over more years of benefit when you divide the total cost. That makes the fee maths more favourable relative to a 2-year fix, where the same percentage fee is amortised over a shorter period. The no-fee best buy under the table still shows the cheapest clean option, but the break-even point typically favours the fee deal at a lower loan size threshold than it would on a 2-year product.

    Work out which deal actually wins

    Fixed Term Comparison2yr vs 5yr — cost of certainty and break-even rate.Fee vs RateIs a £999 fee worth the lower rate on your loan?AffordabilityHow much could you borrow across 40+ lenders?

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