Loan Amount
Based on property value minus deposit.
Max Borrowing (Rent-Based)
Calculated using 125% rental coverage at 5.5% stress rate.
Monthly Repayment
Loan-to-Value (LTV) Ratio
Rental Coverage Ratio
Must meet or exceed 125% for most lenders.
Disclaimer: These calculations are estimates based on standard UK buy-to-let lending criteria (4.5% interest rate, 5.5% stress rate, 125% rental coverage). Actual mortgage terms may vary due to lender policies, market conditions, or additional costs (e.g., taxes, fees). For precise advice, consult a qualified mortgage advisor or visit UK Government Property Resources.
Follow these simple steps to estimate your mortgage borrowing and repayments:
Get instant mortgage estimates for your buy-to-let investment based on April 2025 market conditions.
A buy-to-let mortgage calculator estimates how much you can borrow and your monthly repayments based on property value, deposit, and rental income.
Rental coverage is the ratio of rental income to mortgage payments. UK lenders often require 125–145% coverage at a stress rate (e.g., 5.5%).
Repayment mortgages pay off both interest and principal, reducing the loan over time. Interest-only mortgages only cover interest, with the principal repaid at the end.
The calculator provides estimates based on typical UK lender criteria (e.g., 4.5% rate, 125% coverage). Actual terms vary, so consult a mortgage advisor.