Today’s best 5-year fixed BTL remortgage rates, keep the loan, lose the stress.
The deepest BTL remortgage bucket — pay-rate ICR stress protects the loan size you already carry, and the best deals are re-ranked nightly from 40+ lender product books.
| 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 | ||||||
| 4 H | 5.37% | £895on £200,000 int-only | Jan 2032 | 7.25% | None | See full deal → |
Fee saverincludedFree legalsincludedFree valuationincluded | ||||||
| 5 B | 5.49% | £915on £200,000 int-only | Dec 2031 | 8.24% | None | See full deal → |
Fee saverincludedFree 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.
The 5-year fix is the workhorse of the BTL remortgage market, and the ICR mechanics at remortgage are the main reason. Where shorter fixes are stress-tested at a notional rate above the pay rate, most lenders assess a 5-year fix at or near the actual rate you’ll pay. When you’re remortgaging a loan you originally borrowed at lower rates, that distinction can be the difference between the numbers working and not — particularly on properties in lower-yield areas where rental cover was always tight.
Five years also reduces the frequency of the re-test itself: you face the ICR calculation once now rather than twice over the same period. That matters for landlords who’ve had a change in personal tax position — higher-rate taxpayer status, for instance, pushes the required ICR to 145% on most lenders’ stress test, and avoiding that reassessment for half a decade has real value. The fee landscape on 5-year BTL fixes tends to carry percentage rather than flat fees; the tables show the true cost alongside every deal.
We ingest the data ourselves
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.
Refreshed every night
Every product, every lender, re-ranked nightly. No manually maintained best-buy lists, no stale screenshots of last week's market.
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Frequently asked questions
How these tables work, and how to choose between the deals on them.