The monthly buy-to-let mortgage repayment will vary depending on factors including when interest is calculated. We can provide you a no obligation personaisedl illustration.
Fill in the property information boxes above to calculate repayments on the mortgage amount you would like to borrow.
Once you have found the repayments on the property you would like to buy. You can click the apply button to have a no obligiation chat to learn more about the available mortgages and rates which fit your monthly rental figures.
Visit our mortgage comparison page to review different mortgages and repayment types, and see what interest rate you might expect to pay when purchasing a buy-to-let property.
Your mortgage repayments are likely to be your biggest monthly expenditure, and having the best buy-to-let mortgage is crucial to making a good investment.
To find out what your repayments will be, enter
Then click ‘calculate’ to see what your monthly repayments will be on both an interest only and capital repayment basis.
The mortgage repayment tool will also show you the minimum monthly rent you are likely to need to charge to cover your buy-to-let interest repayments. Our calculator assumes a minimum rental cover of 125% at the higher of the product pay rate or a 5.00% stress rate.
Please note that buy-to-let lenders calculate rental cover differently, and some may require you to charge a higher or lower rent. Speak to your advisor for more information about rental cover rates.
Now you have some initial calculations a qualified advisor here at Commercial Trust Ltd will help you identify the most suitable options for your financial goals. Simply complete the form on call for free.
If your repayments will be too high for you to turn a profit, or the rent you can charge won’t sufficiently cover your interest, you might consider attempting to save up a larger buy-to-let deposit.
This will reduce the cost of your mortgage in two ways. First, the outstanding amount and interest accrued will be lower. Second, you may be able to find a more competitive interest rate. Alternatively, you may be able to find a cheaper mortgage at your current deposit level. Speak to your advisor to find out more.
Calculate how much rent you may need to charge based upon the size of your mortgage loan.Load this calculator
Use our free tax calculator to get an estimate of how much tax you may need to pay on rental income for the year.Load this calculator
Find out if your tenant(s) will be able to comfortably afford your monthly rent using our Buy to Let rent affordability calculatorLoad this calculator
Establish if you will achieve a profitable return on investment from property purchase with our yield calculator.Load this calculator
Most landlords need to pay extra stamp duty land tax (SDLT) on buy-to-let property acquisitions. Use our stamp duty calculator to find out how much you need to pay.Load this calculator
For buy-to-let investors, an LTV calculator can be an invaluable tool to check the ratio between the value of their property and the debt secured against it.Load this calculator