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Buy-to-Let (BTL) Calculator

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

Buy To Let Mortgage 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 your property is worth £200,000 and your mortgage is £150,000, your LTV is 75%. A Buy to Let Calculator is an essential tool for anyone venturing into property investment. It allows you to:

  • 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:

4 quick steps to your financial estimate

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.

What you will discover

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 do more than provide financial tools — we partner with you to make confident, profitable property investment decisions. Our calculators and expert guidance help simplify every step of the process.

Comprehensive Calculators

From Buy to Let to Let to Buy, our tools cover every key investment scenario.

Tailored for the UK Market

All calculations are aligned with UK property and lending standards.

Accurate & Easy to Use

Get instant insights on repayments, yields, and rental profitability.

Expert Support

Our team helps you understand your options and make smarter investment decisions.

0208 143 7779

Frequently Asked Questions

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.