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Calculators
Buy-to-let mortgage

Buy-to-let mortgage calculator

Enter the property value and deposit to calculate the mortgage required and loan-to-value. Add an interest rate, mortgage term and expected monthly rent to see the monthly interest-only payment, interest over the term and gross rental yield. If you do not know the rent, you can use an assumed gross yield to calculate an illustrative figure.

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 the monthly interest-only payment and estimated interest over the mortgage term.

Mortgage term (years) Enter the number of years the mortgage will run. For an interest-only mortgage, a longer term increases the total interest paid but does not reduce the monthly interest-only payment when the loan amount and interest rate remain unchanged. The full loan remains payable at the end of the term.

Expected monthly rent Enter the monthly rental income you expect from the property. This figure helps calculate the gross rental yield.

Not sure what monthly rent to enter? Use an assumed gross rental yield based on local market research to calculate the monthly rent that corresponds to it.

Assumed gross rental yield (%) Enter an assumed gross annual rental yield based on local market research. This estimates monthly rent before costs.

Illustrative only. Actual rent will depend on the property, location and market conditions.

Your results

Enter your buy-to-let details to see your estimate.

Your next steps

Your buy-to-let estimate is a starting point. Compare mortgage rates, understand the potential tax on your purchase and explore how different repayment options could affect your costs.

MORTGAGE RATES

See buy-to-let mortgage rates

Compare available mortgage rates and explore the options that could be available for your buy-to-let property.

Compare mortgage rates → 

STAMP DUTY

Estimate your Stamp Duty

Buying an investment property can mean paying higher rates of property tax. Estimate how much you may need to budget for your purchase.

Calculate buy-to-let Stamp Duty →

MORTGAGE REPAYMENTS

Explore your mortgage repayments

See how different mortgage amounts, interest rates, terms and repayment types could affect your monthly costs.

Calculate repayments →

Want help with your buy-to-let options?

Not sure what the figures mean for your investment? Our advisers can compare buy-to-let mortgage options across 100+ lenders and help you understand the rates, deposit requirements and lender criteria that could apply to you.

Speak to a mortgage adviser

Your questions answered

Our buy-to-let calculator estimates your mortgage amount, loan-to-value (LTV), gross rental yield and monthly interest-only payment using the figures you enter.

It also shows the estimated interest over the mortgage term and the loan balance that would remain payable at the end. The results are illustrative and are not a mortgage offer or formal affordability assessment.

If you are still working through the borrowing itself, our guide to buy-to-let mortgages explains how rent, deposits, loan-to-value and lender criteria fit together.

Your estimated loan amount is calculated by subtracting your deposit from the property value.

Loan-to-value, or LTV, shows the mortgage amount as a percentage of the property’s value. For example, a larger deposit will generally result in a lower LTV.

Different lenders have their own LTV limits and eligibility requirements.

Buy-to-let deposit and LTV requirements vary between lenders and can affect both eligibility and the mortgage options available.

Gross rental yield compares the property’s annual rental income with its value.

The calculator takes the expected monthly rent you enter, multiplies it by 12 and divides it by the property value to estimate the gross rental yield.

Because this is a gross figure, it does not account for mortgage payments, tax, insurance, maintenance, letting costs or periods when the property may not be rented.

If you do not know what monthly rent to enter, you can use an assumed gross rental yield based on your local market research.

Enter the property value and your assumed yield, and the calculator will estimate the corresponding monthly rent. For example, the calculation works backwards from the annual rental yield to produce an illustrative monthly figure.

The calculator does not choose an appropriate rental yield for you. Actual rent will depend on the property, its location and market conditions.

The calculator assumes an interest-only mortgage. Your estimated monthly payment is calculated using the loan amount and annual interest rate you enter.

Because the monthly payments cover interest rather than repaying the original loan, the mortgage balance does not reduce during the term. The full loan amount therefore remains payable at the end.

The estimated interest over the mortgage term assumes the loan amount and interest rate remain unchanged throughout.

Not necessarily. The calculator provides an illustrative estimate based only on the figures you enter.

Actual borrowing will depend on the lender as well as the figures entered here. How lenders assess landlords can include the property, expected rent, deposit, credit profile, experience and wider circumstances.


The calculator also excludes costs such as fees, tax, insurance, maintenance and periods without rental income.

Important information

These results are estimates for general information only and do not constitute personal mortgage, investment or tax advice. They assume an interest-only mortgage and that the interest rate entered remains unchanged throughout the mortgage term.

The monthly payments cover interest only, so the full loan balance remains payable at the end of the mortgage term.

Gross rental yield is calculated before mortgage payments, tax, insurance, fees, maintenance costs and periods without rental income. Any monthly rent calculated from an assumed gross yield is illustrative only and depends on the yield entered by you.

Fees, taxes, running costs and periods without rental income are not included. Actual borrowing will depend on lender criteria and your circumstances.

The FCA does not regulate some buy-to-let mortgages.

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