10-year fixed buy-to-let rates, a term the market rarely offers.

Ten-year fixed buy-to-let mortgages exist in theory but almost never in practice. Residential lenders do offer decade-long fixes, and a small number extend that range into BTL — but it is not a term that lenders routinely price or promote. The commercial logic is straightforward: the funding cost of locking a landlord’s rate for ten years, combined with the erratic regulatory and tax environment that affects landlord profitability, creates risk that most BTL lenders do not price competitively. When products have appeared, they have typically been niche offerings from specialist lenders rather than mainstream pricing.

For landlords who want maximum rate certainty over a long hold, the practical alternative is a 5-year fix with a plan to remortgage at year four or five — locking a new deal in the six-month window before the current product expires. That approach preserves access to competitive pricing at each cycle rather than accepting a potentially uncompetitive 10-year rate. The LTV filter above lets you find the strongest 5-year best buys at your deposit level, and the alternatives table below shows what is live in the market today.