2-year fixed buy-to-let rates, built for your next acquisition.
The shortest mainstream BTL fix — maximum flexibility, minimum commitment. Best-buy 2-year fixed purchase rates refreshed every night from 40+ lender product books.
| 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 | 4.34% | £723on £200,000 int-only | Oct 2028 | 7.25% | £3,999Free valuation | See full deal → |
| 3 S Santander UK | 4.45% | £742on £200,000 int-only | 2 yrs | — | £1,749Free valuation | See full deal → |
| 4 S Santander UK | 4.92% | £820on £200,000 int-only | Oct 2028 | 6.50% | None | See full deal → |
| 5 H HSBC Bank | 4.94% | £823on £200,000 int-only | Oct 2028 | 7.25% | NoneFree 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.
A 2-year fixed buy-to-let purchase rate is the natural fit when the property itself is likely to change: a refurbishment that unlocks a higher value before you remortgage, a title or planning issue that will resolve, or simply a portfolio strategy built around refinancing at a higher LTV once a tenancy is established. Committing for only two years means ERCs are gone before most situations materially shift, and you return to the market without penalty at a point when your position may be stronger.
The trade-off is the stress test. Lenders typically assess rental cover on a 2-year fix at the pay rate plus a buffer — commonly two percentage points above the actual rate, or a floor of around 5.5%, whichever is higher. That notional rate is what the rent must cover at 125% (basic-rate taxpayer) or 145% (higher-rate or limited company). On a yield-sensitive acquisition, that arithmetic can limit your loan more than the LTV does. Check your rental income against those figures before shortlisting on headline rate alone.
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
How these tables work, and how to choose between the deals on them.