Mortgage Calculators

Buy-to-Let Mortgage Calculator

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Mortgage Calculators Buy-to-Let Mortgage Calculator

Calculator

Buy-to-Let Mortgage Calculator

Find out how much you could borrow for a buy-to-let property based on the expected rental income. Enter your property details below to see your potential borrowing and investment returns.
£
£
Most buy-to-let lenders require a minimum 25% deposit. Your deposit is currently below this threshold.
£
years
%
%

You could borrow up to:

Based on your rental income and a LTV cap, repaid over years.

Estimated Profitability
Rental Income:
Monthly Profit:
Investment Summary
Gross Yield % Before Mortgage
Net Yield % After Mortgage
ICR Achieved - % ( the % threshold)
LTV
Loan Amount

Loan Amount: Property value minus your deposit, capped at 75% LTV.

Interest Coverage Ratio (ICR): Lenders require your rental income to cover the mortgage interest by a certain margin. Basic rate (20%) taxpayers typically need 125% coverage, while higher rate (40%+) taxpayers need 145%. We use a 5.5% stress test rate for this calculation.

Mortgage Payment: For interest-only mortgages, your monthly payment covers interest only - the full loan is repaid at the end of the term. For repayment mortgages, your monthly payment includes both interest and capital, so the loan is paid off gradually over the term.

Gross Yield: Annual rental income divided by property value, expressed as a percentage.

Net Yield: Annual rental income minus annual mortgage payments, divided by property value.

These figures are estimates. Actual lending decisions depend on your personal circumstances, credit history, and individual lender criteria.

Ready to speak to a mortgage broker?

These figures are estimates. For a personalised assessment and access to the best buy-to-let mortgage rates, speak to a qualified mortgage broker.

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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

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Money Helpdesk is a trading style of LeadCrowd Limited which is registered in England and Wales (10963512).

Our registered office is The 1812 Building, Wheatley Park, Mirfield, West Yorkshire, WF14 8HE.

Money Helpdesk is an independent marketing website that acts as an introducer to FCA regulated companies. The guidance and or advice contained within this website is subject to the UK regulatory regime and therefore primarily targeted to customers in the UK. Any and all personal information that we may collect will be used and held in accordance with our privacy policy. We may use your personal information to contact you or pass your details to other companies associated with us, to contact you (including by telephone) to provide you with details and services in relation to any enquiry you make to us. Any rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

At Money Helpdesk, we strive to provide informative guides and tips, however, please note that you use the information provided at your own risk. We cannot be held liable for any issues that arise from using the information provided.

The information found on our website is not tailored advice specifically for each individual reader and therefore should not be taken as financial advice.

Our team is updated regularly to keep up with changing lender criteria and policies, so be sure to contact one of our advisors for accurate up-to-date information. All of the advisors we work with are qualified to provide advice and partner with firms authorised and regulated by the Financial Conduct Authority. These specialists are regulated professionals who can provide tailored advice that fits your needs.

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The rates shown are for illustrative purposes only, they should not be taken as any form of advice or recommendation. Actual mortgage quotes are based on individual circumstances.

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