Our Best buy to let 5 year fixed rate mortgage tables are updated daily for the most up to date buy to let mortgage rates available. The buy to let mortgages below are the lowest 5 year fixed rate mortgages in the market with early redemption penalties. If you have any questions about the buy to let remortgage & mortgage schemes below contact us with any queries.
Compare current 5 year fixed buy to let mortgage rates for a £200,000 property with a £130,000 interest-only mortgage, representing 65% LTV.
The lowest current 5 year fixed buy-to-let mortgage rate at 65% LTV is 4.55% (Max LTV 75%), with a 3% product fee, compared with 5.24% (Max LTV 75%) without a product fee. Rates checked 1 November 2026.
Showing 10 out of 638 matching 5 year fixed buy to let mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender BM Solutions | Initial Rate 4.55% then 8.09% variable | Rate Type Fixed for 5 years | Max LTV 75% | Fees 3% Product Fee | APRC 7% | Monthly Payment £492.92 Initial Monthly Payment | More Information More information |
| Lender The Mortgage Works | Initial Rate 4.64% then 7.74% variable | Rate Type Fixed for 5 years | Max LTV 65% | Fees 3% Product Fee | APRC 7% | Monthly Payment £502.67 Initial Monthly Payment | More Information More information |
| Lender BM Solutions | Initial Rate 4.65% then 8.09% variable | Rate Type Fixed for 5 years | Max LTV 75% | Fees 3% Product Fee | APRC 7.1% | Monthly Payment £503.75 Initial Monthly Payment | More Information More information |
| Lender NatWest | Initial Rate 4.78% then 6.74% variable | Rate Type Fixed for 5 years | Max LTV 75% | Fees £5,999.00 Product Fee | APRC 6.7% | Monthly Payment £517.83 Initial Monthly Payment | More Information More information |
| Lender Paragon Banking Group PLC | Initial Rate 4.8% then 7.35% variable | Rate Type Fixed for 5 years | Max LTV 70% | Fees 7% Product Fee | APRC 7.2% | Monthly Payment £520.00 Initial Monthly Payment | More Information More information |
| Lender HSBC | Initial Rate 4.83% then 7.25% variable | Rate Type Fixed for 5 years | Max LTV 65% | Fees £3,999.00 Product Fee | APRC 6.9% | Monthly Payment £523.25 Initial Monthly Payment | More Information More information |
| Lender The Mortgage Works | Initial Rate 4.84% then 8.24% variable | Rate Type Fixed for 5 years | Max LTV 70% | Fees 5% Product Fee | APRC 7.6% | Monthly Payment £524.33 Initial Monthly Payment | More Information More information |
| Lender Paragon Banking Group PLC | Initial Rate 4.85% then 7.35% variable | Rate Type Fixed for 5 years | Max LTV 70% | Fees 7% Product Fee | APRC 7.2% | Monthly Payment £525.42 Initial Monthly Payment | More Information More information |
| Lender NatWest | Initial Rate 4.88% then 6.74% variable | Rate Type Fixed for 5 years | Max LTV 75% | Fees £4,999.00 Product Fee | APRC 6.6% | Monthly Payment £528.67 Initial Monthly Payment | More Information More information |
| Lender Kensington Mortgages | Initial Rate 4.92% then 6.45% variable | Rate Type Fixed for 5 years | Max LTV 75% | Fees 3% Product Fee | APRC 6.3% | Monthly Payment £533.00 Initial Monthly Payment | More Information More information |
BM Solutions Intermediary BTL A-B EPC 5 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.55% (until 31/12/2031) giving you a monthly payment of £492.92 .
After your fixed rate ends, you will move to the BM Solutions standard variable rate which is currently 8.09% . This would give you a monthly repayment of £876.42 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £34,561.04 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 3% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £4,000.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £492.92 |
|---|---|
| Ongoing Monthly Payment | £876.42 |
| True Cost Over Initial Period | £34,561.04 |
| Total Amount Repayable | £243,149.00 |
The Mortgage Works Intermediary BTL 5 Year Fixed 3% Fee
Mortgage Summary
For the first 5 years the mortgage rate is 4.64% (until 31/01/2032) giving you a monthly payment of £502.67 .
After your fixed rate ends, you will move to the The Mortgage Works standard variable rate which is currently 7.74% . This would give you a monthly repayment of £838.50 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £35,863.21 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 3% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | £280.00 |
| Total Fees | £4,195.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £502.67 |
|---|---|
| Ongoing Monthly Payment | £838.50 |
| True Cost Over Initial Period | £35,863.21 |
| Total Amount Repayable | £234,587.71 |
BM Solutions Intermediary BTL 5 Year Fixed 3% Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.65% (until 31/12/2031) giving you a monthly payment of £503.75 .
After your fixed rate ends, you will move to the BM Solutions standard variable rate which is currently 8.09% . This would give you a monthly repayment of £876.42 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £35,232.50 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 3% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £100.00 |
| Total Fees | £4,000.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £503.75 |
|---|---|
| Ongoing Monthly Payment | £876.42 |
| True Cost Over Initial Period | £35,232.50 |
| Total Amount Repayable | £243,820.46 |
NatWest Intermediary BTL 5 Year Fixed £5999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.78% (until 29/02/2032) giving you a monthly payment of £517.83 .
After your fixed rate ends, you will move to the NatWest standard variable rate which is currently 6.74% . This would give you a monthly repayment of £730.17 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,170.12 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £5,999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £6,029.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £517.83 |
|---|---|
| Ongoing Monthly Payment | £730.17 |
| True Cost Over Initial Period | £39,170.12 |
| Total Amount Repayable | £211,490.24 |
Paragon Banking Group PLC GREEN BTL SPV LTD Company 5 Year Fixed 7% Fee Single Self Contained £1000 Cashback
Mortgage Summary
For the first 5 years the mortgage rate is 4.8% giving you a monthly payment of £520.00 .
After your fixed rate ends, you will move to the Paragon Banking Group PLC standard variable rate which is currently 7.35% . This would give you a monthly repayment of £796.25 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,565.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 7% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £9,365.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £520.00 |
|---|---|
| Ongoing Monthly Payment | £796.25 |
| True Cost Over Initial Period | £39,565.00 |
| Total Amount Repayable | £230,665.00 |
HSBC Intermediary BTL 5 Year Fixed £3999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.83% (until 31/01/2032) giving you a monthly payment of £523.25 .
After your fixed rate ends, you will move to the HSBC standard variable rate which is currently 7.25% . This would give you a monthly repayment of £785.42 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £36,980.75 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £3,999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £17.00 |
| Valuation Fee | Free valuation |
| Total Fees | £4,016.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £523.25 |
|---|---|
| Ongoing Monthly Payment | £785.42 |
| True Cost Over Initial Period | £36,980.75 |
| Total Amount Repayable | £223,125.29 |
The Mortgage Works Intermediary BTL LTD Co SPV 5 Year Fixed 5% Fee
Mortgage Summary
For the first 5 years the mortgage rate is 4.84% (until 31/01/2032) giving you a monthly payment of £524.33 .
After your fixed rate ends, you will move to the The Mortgage Works standard variable rate which is currently 8.24% . This would give you a monthly repayment of £892.67 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,547.79 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 5% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £6,515.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £524.33 |
|---|---|
| Ongoing Monthly Payment | £892.67 |
| True Cost Over Initial Period | £39,547.79 |
| Total Amount Repayable | £251,110.58 |
Paragon Banking Group PLC BTL SPV LTD Company 5 Year Fixed 7% Fee Single Self Contained £1000 Cashback
Mortgage Summary
For the first 5 years the mortgage rate is 4.85% giving you a monthly payment of £525.42 .
After your fixed rate ends, you will move to the Paragon Banking Group PLC standard variable rate which is currently 7.35% . This would give you a monthly repayment of £796.25 .
The maximum Loan to Value (LTV) is 70% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £39,890.20 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 7% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | Free valuation |
| Total Fees | £9,365.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £525.42 |
|---|---|
| Ongoing Monthly Payment | £796.25 |
| True Cost Over Initial Period | £39,890.20 |
| Total Amount Repayable | £230,990.20 |
NatWest Intermediary BTL 5 Year Fixed £4999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.88% (until 29/02/2032) giving you a monthly payment of £528.67 .
After your fixed rate ends, you will move to the NatWest standard variable rate which is currently 6.74% . This would give you a monthly repayment of £730.17 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £38,863.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £4,999.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £30.00 |
| Valuation Fee | Free valuation |
| Total Fees | £5,029.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £528.67 |
|---|---|
| Ongoing Monthly Payment | £730.17 |
| True Cost Over Initial Period | £38,863.88 |
| Total Amount Repayable | £211,184.00 |
Kensington Mortgages BTL 5 Year Fixed 3% Fee Prime Special
Mortgage Summary
For the first 5 years the mortgage rate is 4.92% giving you a monthly payment of £533.00 .
After your fixed rate ends, you will move to the Kensington Mortgages standard variable rate which is currently 6.45% . This would give you a monthly repayment of £698.75 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 65% based on the figures you have entered.
The true cost of this mortgage over the initial period is £35,988.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 3% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £18.00 |
| Valuation Fee | Free valuation |
| Total Fees | £4,008.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £533.00 |
|---|---|
| Ongoing Monthly Payment | £698.75 |
| True Cost Over Initial Period | £35,988.00 |
| Total Amount Repayable | £203,688.00 |
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £130,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Once you compare the 5 year buy to let mortgage fixed rate & remortgage schemes if would like buy to let mortgage advice, complete our mortgage enquiry form and we will contact you to discuses your buy to let mortgage requirements. We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.
Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority
The above information does not contain all the details you need to choose a mortgage. Please consult a qualified advisor before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment.
The initial interest rate stays fixed for 5 years, providing more predictable payments during that period. The mortgage normally moves to a follow-on rate unless another deal is arranged.
Not necessarily. Compare the 5 year rate alongside arrangement fees, monthly payments, total cost and any early repayment charges.
You may be able to, but early repayment charges and other costs can apply. Check the mortgage terms before changing deals.