Facebook-f X-twitter Instagram Linkedin-in
Contact Title
Call any time 0208 143 7779

Buy to Let Mortgage Calculator

At Auction Finance, we understand the challenges landlords and investors face. That’s why we’ve designed a comprehensive Buy to Let Calculator to simplify your financial planning, ensuring you make informed decisions every step of the way.
Whether you’re assessing a single buy-to-let property or comparing options for let-to-buy arrangements, our suite of calculators has you covered.

Buy-to-Let (BTL) Calculator

What Is a Buy to Let Calculator?

The Loan-to-Value ratio is a percentage that represents the proportion of a property’s value financed by a loan. It’s calculated by dividing the loan amount by the property’s value and multiplying by 100. For example, if youA Buy to Let Calculator is an essential tool for anyone venturing into property investment. It allows you to: r property is worth £200,000 and your mortgage is £150,000, your LTV is 75%.
  • Estimate your monthly mortgage repayments.
  • Understand the financial commitments of a buy-to-let mortgage.
  • Assess the feasibility of your investment based on rental income projections.

How Our Buy to Let Mortgage Calculator Works?

Using our Buy to Let Mortgage Calculator is simple. By entering a few details, you’ll gain instant access to critical financial information. Here’s how it works:

  • Enter the Property Price: Start by inputting the value of the property you’re considering.
  • Add Your Deposit Amount: This gives us the loan-to-value (LTV) ratio, which lenders use to calculate interest rates.
  • Select a Mortgage Term: Choose the length of time you plan to repay your mortgage.
  • Input the Interest Rate: Use the rate offered by your lender or an estimated rate.
  • Once you’ve provided this information, our Buy to Let Mortgage Calculator will display:
  • Your estimated monthly repayments.
  • The total cost of the mortgage, including interest.
  • A breakdown of how much rent you’ll need to cover your payments.

Understanding Buy to Let Mortgages

Before diving into property investment, it’s crucial to grasp the basics of buy-to-let financing. Unlike standard residential mortgages, buy-to-let mortgages are specifically designed for landlords looking to earn rental income. These mortgages typically have:

  • Higher interest rates compared to residential mortgages.
  • Larger deposit requirements, often starting at 20-25%.
  • Eligibility criteria based on rental income rather than personal salary.
Our Buy to Let Mortgages Calculator is tailored to these unique conditions, ensuring you get an accurate estimate of your costs.

Considering Let-to-Buy?

If you’re transitioning from living in your current home to renting it out, a Let to Buy Mortgage Calculator can guide your decision-making process. This calculator evaluates:

  • The potential rental income from your current home.
  • The feasibility of purchasing a new residential property while converting your existing one to buy-to-let.
  • How the new financial arrangement align with your overall goals?
  • At Auction Finance, we’re committed to making every step of your property journey seamless and transparent.

Planning Long-Term Success with the Buy to Let Mortgage Repayment Calculator

For investors focused on long-term financial health, the Buy to Let Mortgage Repayment Calculator offers valuable insights. With this tool, you can:

  • Visualise your repayment schedule over the mortgage term.
  • Explore how making additional payments impacts the total cost.
  • Track the growth of your equity in the property.
This feature is particularly beneficial for landlords planning to expand their property portfolios or those seeking to optimise their financial strategies.

Why Choose Auction Finance?

At Auction Finance, we pride ourselves on being more than just a financial services provider. We’re your partner in property investment, offering tools and expertise to support your success. Here’s why our Buy to Let Calculator stands out:

  • Comprehensive Tools for All Investors
  • Tailored to the UK Property Market
  • Accurate and Easy to Use
  • Expert Support
Simply enter your details into our Buy to Let Mortgage Calculator, explore repayment schedules, or evaluate let-to-buy opportunities with the Let to Buy Mortgage Calculator.
Your Success, Simplified
At Auction Finance, we’re here to help you navigate the complexities of property investment with confidence. Try our calculators now and take the first step towards smarter, more profitable investments.

Frequently Asked Questions

1. What is a Buy-to-Let calculator?
A Buy-to-Let calculator helps landlords and property investors determine the maximum loan amount they can borrow based on rental income and lender stress tests. It also calculates affordability under different scenarios.
A Buy-to-Let calculator helps landlords and property investors determine the maximum loan amount they can borrow based on rental income and lender stress tests. It also calculates affordability under different scenarios.
A stress test is a calculation lenders use to ensure rental income is sufficient to cover the mortgage repayments, even if interest rates rise. It helps lenders assess risk and ensure your investment remains sustainable..
This calculator is specifically designed for standard Buy-to-Let properties. If you’re investing in Houses in Multiple Occupation (HMOs), check our dedicated HMO Calculator for more accurate insights.
No, this calculator focuses on loan affordability and borrowing potential. For Stamp Duty or additional property tax calculations, use our SDLT Calculator.
Some lenders allow personal income to supplement rental income for affordability. However, this calculator focuses purely on rental income. Speak to a specialist if you want to explore blended affordability.
Yes, the calculator can provide estimates for non-UK residents. However, lenders may apply additional requirements, and you should seek specialist advice for accurate guidance.
  • Auction Finance specialises in structured financing solutions for property auctions. Our expert team prioritises a client-focused approach, offering competitive rates and flexible options for quick and efficient funding. Whether you're bidding on residential, commercial, or land, we are committed to supporting your auction success.

Quick Links

Our Services
Follow Us
Facebook-f X-twitter Instagram Linkedin-in
  • THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
  • YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
  • We are a credit broker not a lender.
  • The FCA does not regulate most Buy to Let mortgages.
  • Authorised and regulated by the Financial Conduct Authority FCA reg. 994617.
  • 5 Century Court, Tolpits Lane, Watford, WD18 9PX. Registered in England, No 14667048
  • We always aim to provide a high-quality service to our customers. However, if you encounter any problems and we are unable to resolve them, you can take your complaint to an independent ombudsman. Our advice is covered under the Financial Ombudsman Service.

(C) 2025 Auction Finance is a trading name of Mortgage Knight Ltd