Buy-to-let mortgage calculator
Buy-to-let mortgage
Estimate rental income alongside mortgage costs.
Estimate buy-to-let cash flow
Illustrative The property’s current value used for this illustration; a lender valuation may differ.
£
Cash or equity contributed toward the property price rather than borrowed.
£
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
£
The annual mortgage interest rate used in this illustration.
%
The total remaining period over which the mortgage is repaid.
years
Tax treatmentPersonal income tax and reliefs are excluded.
Rent paid each month before any future rent increases.
£
Stress test and property costs ⌄
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
%
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
%
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
% of rent
A yearly allowance for repairs and upkeep; actual costs can be irregular.
£
Annual service charges, commonly for leasehold properties.
£
Estimated annual buildings or landlord insurance cost.
£
Explains how this input is used in this illustrative mortgage calculation. Check your mortgage offer or other source document for the exact figure.
months/year
Monthly cash flow after costs
£286
LTV75.0%
Gross / net yield6.4% / 4.9%
Cash-on-cash return4.6%
ICR does not meet this 125% illustration.Stress-test interest: £1,313 / month. Minimum rent: £1,641 / month. Maximum mortgage supported: £219,429.
Assumptions and limits⌄
The ownership selection is context only and does not change any result. Rental coverage is not investment profitability and this is not a lender decision. Lenders use their own stress rates, ICRs, affordability checks and property criteria. Tax, purchase costs, capital growth and letting-agent fees beyond the inputs are excluded.
Rental analysis
Income, costs and coverage
| Monthly mortgage payment | £938 |
|---|---|
| Annual operating costs and voids | £4,520 |
| Annual cash flow | £3,430 |
| Interest coverage ratio | 121.9% |