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 | 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.
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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Refreshed every night
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