3-year tracker buy-to-let remortgage rates, variable for three years, rarely available.
Three-year BTL tracker remortgage products are seldom offered — most tracker ranges in the BTL market run to 2 years or are lifetime. This page re-ranks nightly when products appear.
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.
Tracker products in the buy-to-let market tend to come in two forms: 2-year deals and lifetime trackers that run until you remortgage or switch. A 3-year tracker sits in the gap between them and reflects a funding tenor that most BTL lenders don’t currently cover in their tracker ranges. Where a 3-year fixed is intermittent because of how lenders hedge fixed rates, a 3-year tracker is rare for a different reason: the appeal of a tracker is often its ERC-free flexibility, and most landlords seeking variable-rate exposure for three years find the 2-year or lifetime option a closer match for their actual needs.
If you’re looking at this page because you want variable-rate BTL remortgage exposure without locking in for five years, the 2-year tracker is the most active bucket — a small number of lenders price it consistently and it covers the most common use case: staying nimble without a long-term commitment. Lifetime trackers are a separate consideration, priced without a fixed term and typically with full freedom to exit. Both alternatives are accessible from the BTL remortgage section.
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