Best mortgage rates · Buy-to-let · July 2026

Today’s best 2-year fixed BTL remortgage rates, maximum flexibility, reviewed soon.

The sharpest 2-year fixed rates for landlords coming off an existing deal — interest-only on £200,000, re-ranked nightly from 40+ lender product books.

40+ lender product books Fee & no-fee best buys No signup, no credit check Refreshed nightly

Refreshed nightly — rates as of 13 July 2026

Loan to valueLTV = loan ÷ property value. A £50k deposit on a £250k home is 80% LTV.

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 →
4 S Santander UK	4.92%	£820on £200,000 int-only	2 yrs	6.50%	None	See full deal →
5 H HSBC Bank	4.94%	£823on £200,000 int-only	Oct 2028	7.25%	NoneFree valuation	See full deal →

Cheapest with no product feeSantander UK at 4.92% — £820/moView →

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 2-year fix at remortgage keeps your options open. You re-test the market in 24 months — useful if you’re planning to sell a property in the near term, expect your portfolio LTV to shift significantly, or simply want a short commitment while the rate environment settles. The trade-off is that you’ll face the ICR stress test again at remortgage, and if rental yields haven’t moved but stress rates have tightened, the maximum loan available today may differ from what you originally borrowed.

At remortgage you’re also choosing between this route and a product transfer with your existing lender. A product transfer skips the affordability re-test entirely and completes without a full application, but you’re confined to one lender’s pricing. The 2-year fixes here are drawn from across the market, and the rate differential can be meaningful — particularly if your LTV has improved through capital repayment or house price growth, unlocking a lower pricing band your current lender won’t automatically offer.

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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.

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Frequently asked questions

How these tables work, and how to choose between the deals on them.

01How does the ICR stress test work at remortgage on a 2-year fix?

At remortgage, lenders re-run the interest coverage ratio test against today’s stress rates — not the rates in place when you first borrowed. On a 2-year fix, most lenders apply a stressed rate of your pay rate plus 2%, or a floor of around 5.5%, whichever is higher. If stress rates have risen since you took out your original deal, the same rent may now support a smaller loan than before — worth modelling before you commit to a like-for-like remortgage.

02Can I release equity when remortgaging a buy-to-let onto a 2-year fix?

Yes — equity release is one of the main reasons landlords remortgage rather than take a product transfer. The additional borrowing is assessed under the ICR stress test, and the blended LTV across the whole loan must fall within the lender’s criteria. Percentage fees (common on the lowest 2-year BTL rates) are worth factoring in when the loan is large, as 2–3% on a sizeable equity release can outweigh the rate saving.

03Are percentage fees common on 2-year fixed BTL remortgage deals?

They are, and more so than on residential remortgages. Many lenders price their lowest BTL rates with a fee of 2–3% of the loan rather than a flat arrangement fee. On a £200,000 loan a 2% fee is £4,000 — which may or may not be offset by a lower rate over two years. The tables show both rate and fee; use the true-cost comparison before selecting on headline rate alone.

04How early should I start shopping before my current deal expires?

Most lenders allow you to secure a remortgage rate up to six months ahead of your current deal expiring, and a product transfer with your existing lender often opens even earlier. Starting at the five-to-six month mark gives you time to run a full application and switch seamlessly. Leaving it to the final weeks risks dropping onto your current lender’s follow-on rate while the paperwork completes.

Today’s best 2-year fixed BTL remortgage rates, maximum flexibility, reviewed soon.

Other terms for remortgages

2-year fixed for other borrowers

We ingest the data ourselves

Refreshed every night

Mortgages only

Frequently asked questions

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