3-year fixed buy-to-let remortgage rates, when lenders price the middle ground.
BTL lenders concentrate remortgage ranges at 2 and 5 years; 3-year fixes surface intermittently. When they’re available, you’ll find the best of them here — refreshed 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.
Most BTL lenders build their remortgage ranges around 2 and 5-year terms, and 3-year products appear when funding economics make the middle tenor attractive to offer. The gap is structural rather than seasonal — a landlord wanting 3 years must often wait for the market to open up, or weigh whether the 2 or 5-year alternative better fits their plans. The ICR stress-test difference between these terms matters at remortgage: shorter fixes are stressed harder, which can affect how much equity you’re able to release.
When a 3-year remortgage fix is available, it can serve a specific profile: a landlord who bought with a 5-year fix and wants to ride to a natural sale or portfolio consolidation point without fixing all the way to year five again. It also suits those who expect a material rent review before a 5-year window closes, improving ICR for a future remortgage. If no 3-year products are listed today, the live 2 and 5-year alternatives below are your nearest options — and this page re-ranks automatically each night.
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