3-year tracker buy-to-let rates, a combination the market seldom prices.
Three-year BTL trackers are not a term lenders routinely offer. When a product does appear it will clear our nightly ingest automatically — the closest live alternatives are below in the meantime.
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 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 → |
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 N NatWest GroupBest rate | 4.32% | £720on £200,000 int-only | 5 yrs | 6.74% | £5,999Free valuation | See full deal → |
| 2 H HSBC Bank | 4.48% | £747on £200,000 int-only | Oct 2031 | 7.25% | £3,999Free valuation | See full deal → |
| 3 S Santander UK | 4.59% | £765on £200,000 int-only | Oct 2031 | 6.50% | £1,749 | 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 3-year tracker buy-to-let mortgage combines two things that are individually uncommon in the purchase market: a tracker product (lenders skew heavily towards fixed rates in BTL) and a 3-year term (the BTL market concentrates at 2 and 5 years). The combination makes it genuinely rare. It isn’t that demand is absent — a landlord who wants variable-rate exposure for a medium hold rather than two years would benefit from this product — it’s that lenders see limited commercial reason to price it when fixed-rate ranges dominate their BTL book.
If you’re seeking the flexibility of a variable rate without the short horizon of a 2-year deal, the practical alternatives are either a 2-year tracker with an ERC-free exit or a 5-year tracker on the rare occasions one is priced. The former gives you the ERC freedom at two years; the latter extends your exposure. The 5-year fixed range — assessed at pay rate for ICR purposes — is also worth pricing against a tracker if the yields are marginal, as the stress test advantage of a longer fix can offset a higher headline rate.
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