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Calculators
Buy-to-let mortgage

Buy-to-let mortgage calculator

Estimate how much you could borrow as a landlord based on your rental income and deposit, and calculate your potential monthly repayments.

Your details

Property value Enter the purchase price or current value of the property. This helps calculate how much you can borrow and your LTV ratio.

Deposit The upfront amount you plan to put down. A higher deposit lowers your LTV and could unlock better mortgage rates.

Interest rate Enter the annual interest rate for your mortgage. This affects your monthly repayments and total repayment amount.

Mortgage term (years) The number of years over which you’ll repay the mortgage. Longer terms lower monthly payments but increase total interest paid.

Rental income Enter the monthly rental income you expect from the property. This figure helps calculate rental yield and assess profitability.

Click to estimate rental income based on average rental yields and interest rates. Ideal if you’re unsure about the property’s rental potential.

Your results

Enter details to see the results.

Estimate what your buy-to-let mortgage could look like

Use our buy-to-let calculator to estimate how much you may be able to borrow based on the property value, deposit, expected rental income and mortgage details.

Your result can help you see whether the rental income may support the mortgage amount you have in mind. This is useful before you compare properties, make an offer or apply for a buy-to-let mortgage.

Buy-to-let lenders usually assess the rental income, deposit, loan-to-value, interest rate and your wider circumstances. So, your result should be used as a guide rather than a guarantee of approval.

How a buy-to-let calculator can help

Check the rental income fit

See whether the expected rent may support the mortgage amount you have in mind before you move further into the process.

Compare different property scenarios

Adjust the property value, deposit, loan amount or rental income to see how each change could affect the outcome.

Plan before you apply

Get a clearer starting point before checking rental cover, deposit requirements, property type and lender criteria.

Compare buy-to-let mortgage options across 100+ lenders

Muttuo Mortgages can compare buy-to-let mortgage options across 100+ lenders, helping you review rental cover, deposit requirements, rates, fees and lender criteria before you move forward.

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Your buy-to-let calculator questions answered

A buy-to-let calculator gives you an estimate of what a rental property mortgage could look like based on the figures you enter.

It may help you check the relationship between the property value, deposit, mortgage amount and expected rental income.

Buy-to-let lenders usually focus on whether the rental income is strong enough to cover the mortgage payment by a required margin.

They may also look at the deposit, loan-to-value, property type, your landlord experience, personal income and wider financial position.

Buy-to-let mortgages often require a larger deposit than standard residential mortgages.

Many lenders expect at least 20% to 25%, although the exact amount can depend on the lender, property, rental income and your circumstances.

Yes. Rental income is usually one of the main factors lenders use when assessing a buy-to-let mortgage.

If the expected rent is too low compared with the mortgage amount, the lender may reduce the amount they are willing to lend or decline the application.

You can use the calculator as a rough starting point, but limited company buy-to-let mortgages may be assessed differently.

Lender criteria, stress testing and tax considerations can vary, so it is worth getting advice before deciding on the right structure.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority.

However, some buy-to-let cases may be regulated, such as certain family-related or consumer buy-to-let situations. A broker can help you understand which category may apply.

Your results are for guidance only

Your results are for guidance only and are based on the information you enter. They are not a mortgage offer, approval in principle or financial advice.

Buy-to-let mortgage criteria can vary between lenders. Your actual options may depend on rental income, deposit, loan-to-value, property type, landlord experience, personal income, credit profile and wider circumstances.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Tax treatment can also vary, so you should speak to a qualified tax adviser if you are unsure how a buy-to-let property may affect your position.

Your property may be repossessed if you do not keep up with repayments on your mortgage.