5-year tracker buy-to-let rates, long-term variable exposure, rarely available.
Five-year BTL trackers surface occasionally, typically from specialist lenders. When a product clears our nightly ingest it will appear here — until then, the closest live alternatives are below.
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 5-year tracker buy-to-let purchase mortgage offers something structurally different from either a 5-year fix or a 2-year tracker: a long commitment to a variable rate rather than a locked one. The ERC structure on a 5-year tracker is worth scrutinising closely — unlike many 2-year trackers, which are often ERC-free, a 5-year tracker product may carry redemption charges across some or all of the term. If the rate does carry charges, you’d be exposed to base rate movements without the ability to exit cheaply if the rate environment turns against you. ERC-free 5-year trackers exist but are uncommon even in the residential market.
One context where a 5-year BTL tracker can make sense is when a landlord believes base rates will trend meaningfully lower across the period, wants to capture that downward movement rather than lock a rate today, and has the cashflow headroom to absorb movements in the other direction. On a large portfolio, even a small margin difference compounds significantly across multiple properties and five years. The stress test on a 5-year tracker, unlike a 5-year fix, is unlikely to be assessed at pay rate — lenders typically apply a buffer to variable-rate products regardless of term, which affects the maximum loan.
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