Buy-to-let mortgage calculator

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How does this buy-to-let calculator work?

How to borrow more

Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value. You might be able to borrow more than it shows you: create an account and we'll find out for you.

Increase the monthly rent. Lenders usually want your monthly rent to be 25% higher than a high 'stress test' interest rate they set to test your application. If you're able to charge tenants a higher rent, that usually means you can borrow more.

What about my deposit

Lenders usually want a minimum 20% deposit for buy-to-let properties. Your deposit doesn't affect how much you can borrow, but it does open up cheaper interest rates for you.

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