10-year fixed buy-to-let remortgage rates, a term the market rarely offers.
Ten-year fixed BTL remortgage products are exceptionally rare — the commercial logic for lenders simply isn’t there. When one does appear, it will surface here 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 HSBC BankBest rate | 4.33% | £722on £200,000 int-only | Oct 2028 | 7.25% | £3,999Free legalsFree valuation | See full deal → |
| 2 N NatWest Group | 4.34% | £723on £200,000 int-only | 2 yrs | 6.74% | £3,499Free legalsFree valuation | See full deal → |
| 3 S Santander UK | 4.52% | £753on £200,000 int-only | Oct 2028 | 6.50% | £1,749 | 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 H HSBC BankBest rate | 4.40% | £733on £200,000 int-only | Oct 2031 | 7.25% | £3,999Free legalsFree valuation | See full deal → |
| 2 S Santander UK | 4.59% | £765on £200,000 int-only | 5 yrs | 6.50% | £1,749 | See full deal → |
| 3 H HSBC Bank | 4.77% | £795on £200,000 int-only | Oct 2031 | 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 decade-long fix on a buy-to-let remortgage is a product the mainstream market doesn’t sustain. Residential borrowers occasionally find 10-year options because owner-occupiers are viewed as lower default risk over long horizons; BTL lenders treat a decade-long commitment on an investment property differently, and most don’t price it at all. The ICR stress test that makes 5-year BTL fixes commercially straightforward becomes harder to model across a 10-year window, which reduces lender appetite further.
For landlords genuinely seeking long certainty, the practical choice is usually a 5-year fix followed by a product transfer or remortgage at year five — providing a similar planning horizon with the benefit of reviewing terms at a natural mid-point. If you’re at remortgage and want to avoid the stress-test re-run as long as possible, the 5-year fix is the deepest and most competitive bucket available in the BTL market today.
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