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Buy To Let Total To Pay Calculator

Buy-to-Let Total to Pay Calculator

Planning a buy-to-let (BTL) investment? Our Buy-to-Let Total to Pay Calculator helps you estimate the total cost of a mortgage product over a set period, such as 2 years or 5 years. This allows you to compare different mortgage deals and understand the overall financial commitment before making a decision.
Mortgage Repayment Calculator

Mortgage Repayment Calculator

Calculate your monthly mortgage payments and see the complete breakdown

Mortgage Details

£
£50k £500k £1M
%
0.5% 8% 15%
Years
Months
£
£0 £5k £10k

Repayment Breakdown

Monthly Payment
£1,389
Your regular monthly mortgage payment
Total Interest
£166,700
Interest paid over the mortgage term
Arrangement Fee
£999
Fixed fee paid upfront
Total to Pay
£417,699
Complete cost including all fees

Cost Breakdown

Component Amount Percentage
Principal (Loan Amount) £250,000 59.9%
Interest Payments £166,700 39.9%
Arrangement Fee £999 0.2%
Total Cost £417,699 100%
Mortgage Summary
Your monthly repayment will be £1,389 over 25 years. In total, you'll pay £417,699 for your £250,000 loan, including £166,700 in interest and £999 in fees. This represents an additional 66.7% on top of the original loan amount.

Why Use Our Buy-to-Let Total to Pay Calculator?

Clear Cost Estimation

Understand the total cost over your chosen mortgage term.

Compare Mortgage Products

See which deal is most cost-effective over time.

Investor-Friendly

Ideal for first-time and experienced landlords.

How It Works

These examples illustrate how the total cost varies based on loan amount, interest rates, and term lengths. You can use the calculator to tailor results to your specific needs.
  • Mortgage Amount: The loan you are taking.
  • Interest Rate: The rate applicable to the mortgage product.
  • Term Length: Choose between 2, 5, or any other specified period.
The calculator will provide the total amount payable over that period, including interest, so you can compare different mortgage deals effectively.

Example Calculations

01

2-Year Fixed Mortgage

  • Mortgage Amount: £150,000
  • Interest Rate: 4%
  • Term Length: 2 years
  • Total to Pay Over 2 Years: £12,000 (interest only)
02

5-Year Fixed Mortgage

  • Mortgage Amount: £200,000
  • Interest Rate: 5%
  • Term Length: 5 years
  • Total to Pay Over 5 Years: £50,000 (interest only)
03

10-Year Mortgage Term

  • Mortgage Amount: £300,000
  • Interest Rate: 3.5%
  • Term Length: 10 years
  • Total to Pay Over 10 Years: £105,000 (interst only)

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Frequently Asked Questions

Ans: Our calculator provides an estimate based on standard repayment calculations. The actual amount may vary depending on lender fees and product specifics.
Ans: No, this tool focuses solely on the total mortgage cost over a chosen period. Additional costs like legal fees, stamp duty, or broker fees are not included.
Ans: Yes! You can input different term lengths (e.g., 2 years vs. 5 years) to see how total costs compare across products.
Ans: The tool is primarily designed for interest only mortgages, but you can still use it to estimate costs for repayment mortgages for repayment deals.
Ans: While tailored for buy-to-let investors, this calculator can also be used for residential mortgages to estimate total costs.