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 | 5.04% | £840on £200,000 int-only | Jan 2029 | 7.25% | £3,999 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
| 2 S | 5.24% | £873on £200,000 int-only | Jan 2029 | 6.50% | £1,749 | See full deal → |
Free legalsincludedFree valuationincludedCashback£250 | ||||||
| 3 P | 5.25% | £875on £200,000 int-only | Jan 2029 | 6.80% | 3% | See full deal → |
Free legalsnot includedFree valuationincluded | ||||||
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 | 4.89% | £815on £200,000 int-only | Jan 2032 | 7.25% | £3,999 | See full deal → |
Free legalsincludedFree valuationincluded | ||||||
| 2 S | 5.24% | £873on £200,000 int-only | Jan 2032 | 6.50% | £1,749 | See full deal → |
Free legalsincludedFree valuationincludedCashback£250 | ||||||
| 3 B | 5.30% | £883on £200,000 int-only | Dec 2031 | 8.24% | £999 | See full deal → |
Free legalsincludedFree 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.
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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