Our Best buy to let tracker mortgage rate tables are updated daily for the most up to date buy to let mortgage tracker rates available. The buy to let tracker mortgages below are the lowest tracker 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 buy to let mortgage rates for a £200,000 property with a £120,000 interest-only mortgage, representing 60% LTV.
The lowest current 2 year tracker buy-to-let mortgage rate at 60% LTV is 3.85% (Max LTV 75%), with a 5% product fee, compared with 4.74% (Max LTV 65%) without a product fee. The lowest current 5 year tracker buy-to-let mortgage rate at 60% LTV is 5.35% (Max LTV 75%), with a 1.5% product fee. Rates checked 28 October 2026.
Showing 10 out of 118 matching tracker buy to let mortgage rates.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender CHL Mortgages | Initial Rate 3.85% then 8.74% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 5% Product Fee | APRC 8.7% | Monthly Payment £385.00 Initial Monthly Payment | More Information More information |
| Lender CHL Mortgages | Initial Rate 3.95% then 8.74% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 5% Product Fee | APRC 8.8% | Monthly Payment £395.00 Initial Monthly Payment | More Information More information |
| Lender The Mortgage Works | Initial Rate 3.99% then 8.24% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees 1% Product Fee | APRC 7.4% | Monthly Payment £399.00 Initial Monthly Payment | More Information More information |
| Lender The Mortgage Works | Initial Rate 3.99% then 8.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 3% Product Fee | APRC 8.1% | Monthly Payment £399.00 Initial Monthly Payment | More Information More information |
| Lender Landbay | Initial Rate 4.04% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees 5% Product Fee | APRC 7.5% | Monthly Payment £404.00 Initial Monthly Payment | More Information More information |
| Lender Landbay | Initial Rate 4.04% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees 5% Product Fee | APRC 7.5% | Monthly Payment £404.00 Initial Monthly Payment | More Information More information |
| Lender Landbay | Initial Rate 4.09% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 3% Product Fee | APRC 7.3% | Monthly Payment £409.00 Initial Monthly Payment | More Information More information |
| Lender The Mortgage Works | Initial Rate 4.24% then 8.24% variable | Rate Type Tracker for 2 years | Max LTV 65% | Fees £1,495.00 Product Fee | APRC 7.4% | Monthly Payment £424.00 Initial Monthly Payment | More Information More information |
| Lender Landbay | Initial Rate 4.24% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 5% Product Fee | APRC 7.5% | Monthly Payment £424.00 Initial Monthly Payment | More Information More information |
| Lender Landbay | Initial Rate 4.24% then 7.24% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees 5% Product Fee | APRC 7.6% | Monthly Payment £424.00 Initial Monthly Payment | More Information More information |
CHL Mortgages CHL 1 BTL 2 Year Tracker 5.00% Fee (LTD CO.) No ERC
Mortgage Summary
For the first 2 years the mortgage rate is 3.85% giving you a monthly payment of £385.00 .
After your tracker rate ends, you will move to the CHL Mortgages standard variable rate which is currently 8.74% . This would give you a monthly repayment of £874.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,800.00 , 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 | £150.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £200.00 |
| Total Fees | £6,560.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £385.00 |
|---|---|
| Ongoing Monthly Payment | £874.00 |
| True Cost Over Initial Period | £15,800.00 |
| Total Amount Repayable | £257,024.00 |
CHL Mortgages CHL 1 BTL 2 Year Tracker 5.00% Fee Small MUFB (SPV LTD CO.) No ERC
Mortgage Summary
For the first 2 years the mortgage rate is 3.95% giving you a monthly payment of £395.00 .
After your tracker rate ends, you will move to the CHL Mortgages standard variable rate which is currently 8.74% . This would give you a monthly repayment of £874.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,305.00 , 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 | £150.00 |
| Telegraphic Transfer Fee | £25.00 |
| Valuation Fee | £465.00 |
| Total Fees | £6,825.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £395.00 |
|---|---|
| Ongoing Monthly Payment | £874.00 |
| True Cost Over Initial Period | £16,305.00 |
| Total Amount Repayable | £257,529.00 |
The Mortgage Works Intermediary BTL 2 Year Tracker 1% Fee
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 30/11/2028) giving you a monthly payment of £399.00 .
After your tracker 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 £824.00 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £11,195.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | 1% |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £20.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,220.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £399.00 |
|---|---|
| Ongoing Monthly Payment | £824.00 |
| True Cost Over Initial Period | £11,195.00 |
| Total Amount Repayable | £237,795.00 |
The Mortgage Works Intermediary BTL LTD Co SPV 2 Year Tracker 3% Fee
Mortgage Summary
For the first 2 years the mortgage rate is 3.99% (until 30/11/2028) giving you a monthly payment of £399.00 .
After your tracker 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 £824.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £13,590.00 , 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 | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £3,615.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £399.00 |
|---|---|
| Ongoing Monthly Payment | £824.00 |
| True Cost Over Initial Period | £13,590.00 |
| Total Amount Repayable | £240,190.00 |
Landbay BTL 2 Year Discount Tracker 5.00% Fee Core No ERC (SPV/LLP)
Mortgage Summary
For the first 2 years the mortgage rate is 4.04% giving you a monthly payment of £404.00 .
After your tracker rate ends, you will move to the Landbay standard variable rate which is currently 7.24% . This would give you a monthly repayment of £724.00 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,306.00 , 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 | £199.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £285.00 |
| Total Fees | £6,610.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £404.00 |
|---|---|
| Ongoing Monthly Payment | £724.00 |
| True Cost Over Initial Period | £16,306.00 |
| Total Amount Repayable | £216,130.00 |
Landbay BTL 2 Year Discount Tracker 5.00% Fee Core No ERC (INDIVIDUAL)
Mortgage Summary
For the first 2 years the mortgage rate is 4.04% giving you a monthly payment of £404.00 .
After your tracker rate ends, you will move to the Landbay standard variable rate which is currently 7.24% . This would give you a monthly repayment of £724.00 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,306.00 , 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 | £199.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £285.00 |
| Total Fees | £6,610.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £404.00 |
|---|---|
| Ongoing Monthly Payment | £724.00 |
| True Cost Over Initial Period | £16,306.00 |
| Total Amount Repayable | £216,130.00 |
Landbay BTL 2 Year Discount Tracker 3.00% Fee Premier No ERC (INDIVIDUAL)
Mortgage Summary
For the first 2 years the mortgage rate is 4.09% giving you a monthly payment of £409.00 .
After your tracker rate ends, you will move to the Landbay standard variable rate which is currently 7.24% . This would give you a monthly repayment of £724.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £14,026.00 , 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 | £199.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £285.00 |
| Total Fees | £4,210.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £409.00 |
|---|---|
| Ongoing Monthly Payment | £724.00 |
| True Cost Over Initial Period | £14,026.00 |
| Total Amount Repayable | £213,850.00 |
The Mortgage Works Intermediary BTL 2 Year Tracker £1495 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.24% (until 30/11/2028) giving you a monthly payment of £424.00 .
After your tracker 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 £824.00 .
The maximum Loan to Value (LTV) is 65% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £12,115.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | £1,495.00 |
|---|---|
| Booking Fee | £0.00 |
| Telegraphic Transfer Fee | £20.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,515.00 |
| Early Repayment Charge | Yes |
Repayments
| Initial Monthly Payment | £424.00 |
|---|---|
| Ongoing Monthly Payment | £824.00 |
| True Cost Over Initial Period | £12,115.00 |
| Total Amount Repayable | £238,715.00 |
Landbay BTL 2 Year Discount Tracker 5.00% Fee Core No ERC (INDIVIDUAL)
Mortgage Summary
For the first 2 years the mortgage rate is 4.24% giving you a monthly payment of £424.00 .
After your tracker rate ends, you will move to the Landbay standard variable rate which is currently 7.24% . This would give you a monthly repayment of £724.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,786.00 , 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 | £199.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £285.00 |
| Total Fees | £6,610.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £424.00 |
|---|---|
| Ongoing Monthly Payment | £724.00 |
| True Cost Over Initial Period | £16,786.00 |
| Total Amount Repayable | £216,610.00 |
Landbay BTL 2 Year Discount Tracker 5.00% Fee Core No ERC (SPV/LLP)
Mortgage Summary
For the first 2 years the mortgage rate is 4.24% giving you a monthly payment of £424.00 .
After your tracker rate ends, you will move to the Landbay standard variable rate which is currently 7.24% . This would give you a monthly repayment of £724.00 .
The maximum Loan to Value (LTV) is 75% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,786.00 , 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 | £199.00 |
| Telegraphic Transfer Fee | £0.00 |
| Valuation Fee | £285.00 |
| Total Fees | £6,610.00 |
| Early Repayment Charge | No |
Repayments
| Initial Monthly Payment | £424.00 |
|---|---|
| Ongoing Monthly Payment | £724.00 |
| True Cost Over Initial Period | £16,786.00 |
| Total Amount Repayable | £216,610.00 |
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 £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct whole of market panel of lenders.
Once you compare the tracker rate buy to let mortgage & remortgage schemes if you would like BTL mortgage advice, complete our mortgage enquiry form and we will contact you to discuss 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.
A tracker mortgage follows a stated reference rate, usually with a set margin. Payments can rise or fall as that reference rate changes.
No. Compare product fees, the initial rate, any floor or cap, early repayment charges and the potential cost of rate increases.
Possibly. Check early repayment charges, lender criteria and any fees before switching products or remortgaging.