Buy to let calculators
Explore buy-to-let mortgages for property investors and landlords with our easy-to-use buy-to-let calculator.
Find competitive mortgage deals and see how much you could borrow based on your rental income. Whether you’re a first-time landlord or expanding your property portfolio, our tools and guidance help you finance your investment with confidence.
We work with more than 120 mortgage lenders, including
CALCULATOR
Find Out How Much You Could Borrow
Planning to invest in a rental property?
This buy-to-let mortgage calculator gives you a quick estimate of how much you could borrow based on your expected rental income.
Whether you’ve already found an investment property or are still exploring the market, this tool helps you understand your borrowing potential and view mortgage rates suited for landlords.
How Much Can I Borrow Calculator
Use our calculator to get an estimate of how much you could borrow based on your income.
- If you’ve already found a property, enter its value to see your Loan to Value (LTV) ratio, helping you check the mortgage rates available to you.
- If you’re still searching, simply enter your gross annual income (before tax), and we’ll show you the maximum amount you may be able to borrow.
Keep in mind that this is an estimate and does not consider factors like your household expenses, credit history, or the property’s condition.
Disclaimer: Please note that the results generated by this calculator are estimates. For precise information tailored to your circumstances, please call us at 020 3827 8588.
Why Choose Mortgage-Tek Mortgage Services
Get your right and on-point advice by our OMA-approved brokers. Working with Mortgage-Tek is simple and straightforward, here are the benefits we offer to our worthy clients.
FCA & CeMAP Certified
FCA-authorised and CeMAP-qualified, we deliver expert, transparent mortgage advice designed to give you confidence at every step.
Niche Market Experts
Whether you’re self-employed, dealing with credit challenges, or buying a unique property, our brokers have the expertise to guide you.
Dedicated to Fairness
We enforce a fair fee policy, ensuring brokers follow clear pricing and never charge clients more than the agreed capped amount.
Guided by Expertise
At Mortgage-Tek, we’re trained professionals with extensive financial expertise, helping clients make informed decisions.
Save Valuable Time
Managing finances can be complex. Our expert advisers handle the research and paperwork, helping clients save time and effort.
Custom Mortgage Plans
Our advisers carefully evaluate your finances and goals to provide personalised mortgage solutions at their best.
Contact Us
Thank you for your message!
We'll get back to you shortly.
Get in Touch For Our Expert Mortgage Advice
Looking for the right mortgage solution? Whether you’re securing a better rate, switching deals, or exploring let-to-buy options, our experts are here to help. Get in touch today for tailored mortgage advice and find the best deal for your needs—hassle-free and straightforward!
| Call Us | 020 3827 8558 |
| Email Us | info@mortgage-tek.co.uk |
| Address | 31, Metro Centre, Dwight Rd, Northwood, Watford WD18 9SB |
| Opening Hours | Mon–Fri (8:30am–7pm) Sat (9am–5pm) |
Frequently Asked Questions
What does the buy to let calculator estimate?
It shows an estimate of rental income requirements, borrowing potential, and monthly mortgage costs. Results are indicative only.
Our Partner: https://contractormortgagesolutions.co.uk/
How accurate is the buy to let calculator?
The calculator provides a helpful estimate using standard lender assumptions. Actual offers depend on full affordability and rental assessments.
How much deposit do I need for a buy to let mortgage?
Most lenders require at least 20% to 25% deposit. The exact amount depends on the lender and your risk profile.
How is rental income assessed for buy to let?
Lenders usually require the rent to cover 125% to 145% of the mortgage interest. Stress rates may also apply.
Can first-time landlords use the calculator?
Yes, the calculator is suitable for new and experienced landlords. Final approval depends on lender criteria and your circumstances.
Does my personal income affect buy to let borrowing?
Many lenders focus mainly on rental income, but some require minimum personal earnings. Criteria vary between lenders.
Are buy to let mortgage rates higher than residential rates?
Yes, buy to let rates are typically higher due to increased lending risk. Rates vary based on deposit size and property type.
Should I speak to an adviser after using the calculator?
Yes, the calculator gives a quick estimate only. An adviser can find suitable lender deals and confirm your true borrowing power.