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Buy to Let Mortgage Calculator

Written By:
Myles Robinson - Expert Finance Advisor

Posted: Aug 12, 2022

Buy to let mortgage calculator – How much can you borrow?

Use a mortgage calculator to get an accurate estimate of the cost of a mortgage deal.

Are you confused about mortgage calculators? Submit an enquiry to match you with a mortgage broker that can give the answers you are looking for, which are more accurate than mortgage calculators.

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A mortgage broker will discuss monthly mortgage payments, how Buy to Let mortgages work, how much rental income you need, mortgage options and introduce you to a mortgage lender to suit you.

Whether you are looking for an investment property or a residential mortgage, we can help you.

The calculator tool will calculate the maximum amount you can borrow. It uses your property value and rental property income to determine how much you would need to borrow the mortgage. Only after you have spoken with a lender and gone through their credit scoring system will you be able to confirm the amount you can borrow.

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Due to the PRA changes in assessing these mortgages, this calculator may not work for portfolio landlords with more than four properties. These calculators are incredibly complex and are being developed continuously.

For an exact borrowing limit, an advisor can arrange a mortgage in principle, or if you have any questions, send us an enquiry, and we’ll connect you with a specialist buy-to-let broker.

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What maximum amount can I borrow to get a mortgage for a buy-to-let purchase?

The viability of the investment will play a significant role in determining this. Lenders expect the rental income to cover 125-145% of mortgage payments.

This guide will help you to find the best mortgage financing.

Are mortgages to buy-to-let more expensive?

They are considered higher risk by lenders. They typically have interest rates that are one percentage point higher than residential mortgages. You will also need to deposit more.

When calculating your buy-to-let borrowing potential, it is essential to account for additional costs or fees.

What deposit is required for a buy-to-let?

Perhaps you are curious to know how much deposit you will need after doing some calculations with the online tool.

Although most mortgage lenders who buy to let ask for more than residential providers, around 25% is the norm. However, finding a lender willing to accept as little as 15% is possible.

Go to our calculator journey to see a detailed breakdown of your budget, costs, and which deals are available.

Enquire today to speak with an expert mortgage broker to begin your journey.

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