Buy to Let Mortgage Calculator
Calculate Buy to Let mortgage costs
Get an indicative repayment calculation for your buy-to-let mortgage quote. To discuss quotes in more detail please call us.
This tool is for illustrative purposes only
Ready to get a proper quotation?
Click the button shown opposite.
How our buy-to-let mortgage calculator works
A simple way to assess the cost of borrowing. Just enter:
- Loan amount you need
- Estimated property value
- Expected buy-to-let mortgage rates
- Preferred term (in years)
- Interest-only or repayment structure
You’ll see an estimated monthly repayment, total interest, and a breakdown of the cost of buy-to-let mortgage borrowing.
This tool is ideal for:
- Getting a rough idea of buy-to-let mortgage affordability
- Understanding different loan sizes for repayments
- Comparing different term lengths and rate scenarios
- Preparing for conversations with lenders or brokers
Quickly estimate your costs and compare rates
Thinking about investing in rental property? Before you commit, use our buy-to-let mortgage calculator to estimate your monthly repayments, total loan cost, and how much you could borrow. Whether you’re buying your first BTL or remortgaging a portfolio, it’s essential to understand what the finance will actually cost you.
We give landlords the tools and advice to make confident decisions with clarity and speed.
What affects your repayments?
There are several key factors that influence how much you’ll pay each month:
- Interest rate
Your monthly cost depends heavily on the interest rate you secure. That’s why it pays to compare the market and find the best mortgage rates for buy-to-let rather than settling for the first offer. - Loan amount and term
A larger loan or longer term spreads the cost but increases total interest. Our calculator helps you strike the right balance. - Interest-only vs. capital repayment
Most landlords choose interest-only to keep monthly buy-to-let mortgage repayments low. However, you’ll need a clear repayment plan or exit strategy. - Property value and deposit
Loan-to-value (LTV) affects the rate you’re offered. A larger deposit can unlock the best buy-to-let mortgage rates.
Buy-to-let mortgage rate comparison
Rates vary between lenders based on loan size, property type, borrower profile, and structure (individual or limited company). Our calculator allows you to do your own quick buy to let mortgage rate comparison before speaking to a broker.
The average buy-to-let mortgage rate will differ depending on your individual circumstances. However, this changes frequently with market conditions.
We also track the best buy-to-let mortgage rates available and can help you secure competitive terms based on your specific deal.
Buy-to-let mortgage borrowing example
Let’s say you want to borrow £150,000 over 25 years on an interest-only basis. You input a rate of 5.25% into the calculator.
- Monthly repayment: £656.25 (interest only)
- Total interest over term: £196,875
- Total repaid (interest only): £196,875, plus original capital of £150,000 at term end
This gives you a clear picture of monthly cash flow and long-term cost, helping you decide if the deal stacks up.
We can help with:
Want to know more about buy to let mortgages?
Talk to a buy-to-let specialist
Whether you’re just exploring or ready to move forward, our buy-to-let mortgage calculator is a fast, free way to get started.
Once you’ve crunched the numbers, speak to our expert team for real guidance and a personalised offer.
