5-year tracker buy-to-let remortgage rates, variable for five years, almost never offered.
Five-year BTL tracker remortgage products are rare — landlords wanting variable-rate exposure typically use 2-year trackers or lifetime products. This page re-ranks 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.
A 5-year tracker would combine the variable-rate exposure of a tracker with a fixed product horizon — but it’s not a combination the BTL market tends to offer. The commercial tension is straightforward: the main attraction of a tracker is that the landlord can exit when it suits them (most trackers have no ERC), yet a 5-year product term implies a commitment that cuts against that flexibility. Where residential borrowers occasionally find 5-year trackers, BTL lenders don’t commonly price them because the use case is inconsistent with how landlords actually manage variable-rate exposure.
Landlords seeking variable-rate BTL remortgage options in practice use either a 2-year tracker — the most active part of the BTL tracker market, often ERC-free — or a lifetime tracker that follows the base rate indefinitely. The 5-year fix remains the dominant remortgage product for landlords who want a longer horizon, benefiting from pay-rate ICR stress rather than the loaded test applied to shorter terms. If no 5-year tracker products are listed here, the alternatives below reflect where the live market actually sits.
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