5-year tracker buy-to-let rates, floating rate for the long term.
Five-year BTL trackers are uncommon in the UK market. When lenders do offer them, they’ll appear 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 H | 4.92% | £820on £200,000 int-only | Jan 2029 | 7.25% | £3,999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 2 S | 4.99% | £832on £200,000 int-only | Jan 2029 | 6.50% | £1,749 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 3 H | 5.04% | £840on £200,000 int-only | Jan 2029 | 7.25% | £3,999 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
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 H | 4.83% | £805on £200,000 int-only | Jan 2032 | 7.25% | £3,999 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 2 H | 4.89% | £815on £200,000 int-only | Jan 2032 | 7.25% | £3,999 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
| 3 S | 5.15% | £858on £200,000 int-only | Jan 2032 | 6.50% | £1,749 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
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 5-year BTL tracker is a structurally unusual product: it commits you to a floating rate for the same duration most landlords choose for a fix, without any of the payment certainty that makes the 5-year term compelling in the first place. The appeal is limited to a narrow set of circumstances — principally a landlord who wants a long-term holding position in a lender’s range but believes rates will fall materially and wants to capture that without refinancing. In practice, most lenders don’t maintain 5-year tracker ranges in BTL, and those that have introduced them historically have not kept them for long.
The more common pattern is to use a 2-year tracker as a short-term floating position, then decide whether to fix at year two once the rate environment is clearer. A 5-year tracker removes that optionality without the protection of a fixed ceiling. The ICR stress test on a 5-year tracker would still apply a notional buffer above base rate — lenders don’t drop their stress assumptions simply because the tracker term is long. This page will populate automatically overnight if a lender introduces a qualifying product; until then the alternatives panel shows the nearest live choices.
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