Buy to let mortgage calculator quickly calculate monthly repayments

Property Information


Apply for a buy to let mortgage

Working out mortgage repayments when buying a UK property to let

Your monthly buy to let mortgage repayment will vary depending on factors including when interest is calculated. We can provide you a no obligation personalised illustration.

Fill in the property information boxes above to calculate repayments on the mortgage amount you would like to borrow.

Click the apply button to have a no obligation chat to learn more about the available mortgages and rates which fit your monthly rental figures.

Important information about current buy to let mortgages

  • 1.39% APR is our lowest available rate today
  • As a broker we can search over 500 mortgage products
  • 5 year and 10 year fixed interest rates are now available

Compare buy-to-let mortgage rates

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.

Enquire about your next buy to let purchase or remortgage today

Your mortgage repayments are likely to be your biggest monthly expenditure, and having the best matching buy to let mortgage is crucial to making a good investment.

To find out what your repayments will be, enter

  • The property price or valuation
  • The mortgage term length
  • The interest rate of your chosen mortgage

Then click ‘calculate’ to see what your monthly repayments will be on both an interest only and capital repayment basis.

The buy to let mortgage calculator 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.

The next step in your buy to let application

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.

Additional calculators

Buy to let rent calculator

Calculate how much rent you may need to charge based upon the size of your mortgage loan.

Load this calculator

Buy to let tax 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

Rent affordability calculator

Find out if your tenant(s) will be able to comfortably afford your monthly rent using our Buy to Let rent affordability calculator

Load this calculator

Rental yield calculator

Establish if you will achieve a profitable return on investment from property purchase with our yield calculator.

Load this calculator

Stamp duty 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

LTV 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