3-year fixed buy-to-let rates, for your next purchase.
The middle ground between the popular 2 and 5-year BTL terms. When lenders price 3-year fixes, you’ll find the best of them here — refreshed nightly.
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 B | 5.22% | £870on £200,000 int-only | Dec 2028 | 8.24% | £899 | See full deal → |
Free legalsnot includedFree valuationnot included | ||||||
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 S | 5.15% | £858on £200,000 int-only | Jan 2032 | 6.50% | £1,749 | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
| 3 B | 5.26% | £877on £200,000 int-only | Dec 2031 | 8.24% | £899 | See full deal → |
Free legalsnot includedFree valuationnot included | ||||||
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 fixes occupy a thin slice of the buy-to-let market. Most BTL lenders concentrate their purchase ranges at 2 and 5 years, and bring 3-year products in and out as funding conditions suit them — so availability genuinely comes and goes. When they do appear, they suit landlords who want a medium hold: longer cover than a 2-year deal without committing half a decade.
One structural quirk matters here: many lenders stress-test shorter fixes harder. Rental cover (ICR) on a 2 or 3-year fix is often assessed at a higher notional rate than on a 5-year fix, so the same rent can support a larger loan at five years than at three. If your numbers are tight, that — not the headline rate — may decide your term.
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
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