How much
will it cost?
Plan your buy to let investment with confidence – our calculator helps you estimate monthly payments on your buy-to-let mortgage.
See how interest rates and loan amounts affect your monthly expenses, whether you’re considering interest-only or repayment options.
Gain insights into potential costs and manage your budget effectively with accurate buy-to-let mortgage calculations.
Start planning your buy-to-let investment today – enter a few details and get an instant estimate!
Buy-to-Let Mortgage Calculator: Estimate Your Monthly Payments
Enter a few details in our calculator below to get a clear estimate
Whether you’re a first-time landlord, experienced landlord, or remortgaging, our mortgage repayment calculator helps you estimate how much will your buy to let mortgage cost?
Use our Buy-to-Let Mortgage Calculator to find out how much your monthly payments could be. How does this calculator work ?
Simply enter:
- Loan Amount – The total amount you wish to borrow.
- Approximate Interest Rate – An estimated interest rate based on your research or your lender’s offer.
- Mortgage Term – The loan duration, which applies primarily if you’re opting for a capital & interest (repayment) mortgage.
Key Considerations for Buy-to-Let Mortgages
- Interest-Only vs. Repayment
Unlike standard residential mortgages, most buy-to-let mortgages are on an interest-only basis, where monthly payments only cover the interest, not the loan principal. Mortgage Term Impact on Interest-Only Loans
For interest-only mortgages, the loan term doesn’t affect your monthly payments, as you’re not repaying the principal over time.Planning for Repayment Mortgages
If you opt for a capital & interest mortgage (also known as a repayment mortgage), your monthly payments will be higher, as each payment goes towards both the loan principal and interest. In this case, the mortgage term plays a significant role in determining monthly payment amounts.
How Much Will My Buy-to-Let Mortgage Cost?
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Why choose Mortgage.One for your Buy to Let Investment Journey?
- Transparent Fee Structure: No Broker fees, we are paid by lenders. Get initial cost estimates with our calculator.
- Thousands of Options at Your Fingertips: Compare numerous rates and deals to find the best fit for you.
- Specialist Buy-to-Let Expertise: We understand the complexities of buy-to- let lending, including limited company and unique situations.
- Informed Decision-Making: Make confident choices using our buy-to-let calculators. Analyze various aspects of your mortgage.
- Proven Track Record: We’ve arranged over £100 million in buy-to-let mortgages. See our success stories.
- Established Lender Connections: Access a broad range of buy-to-let mortgage products with competitive terms designed to support your investment needs.
- Save Time & Secure Deals Faster: We streamline the mortgage process, so you can focus on your investments.
- Dedicated Mortgage Assistance: Get bespoke advice and support from mortgage advisors through every step of the process.
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Buying a Second Home or Investment Property?
Calculate the Stamp Duty Land Tax (SDLT) for your additional property in England or Northern Ireland. Understand the potential impact of the additional 3% surcharge on second homes and buy-to-let properties.
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Frequently Asked Questions
To calculate your buy-to-let mortgage payments, input your loan amount, interest rate, and term length into our calculator. The calculator will give you an estimate of your monthly costs, whether you’re considering an interest-only or a repayment mortgage. This allows you to understand how much your investment property might cost each month.
Most buy-to-let mortgages are interest-only, meaning you pay only the interest each month, with the loan amount due at the end of the term. This keeps monthly payments lower but requires planning for the final repayment. Some landlords choose repayment mortgages, which gradually reduce the loan balance over time. Use our calculator to see monthly costs for both types.
Several factors impact your buy-to-let mortgage payments, including the loan amount, interest rate, mortgage term, and whether you choose an interest-only or repayment option. Additionally, lender fees and market conditions can influence the overall cost.
Yes, our buy-to-let mortgage cost calculator works for both individual and limited company applications. While the monthly payments won’t differ based on ownership structure, other factors such as tax implications, lending criteria, and interest coverage requirements may vary.
In a buy-to-let mortgage, you can choose between interest-only and repayment options. With an interest-only mortgage, you pay just the interest each month, resulting in lower payments, but the original loan balance remains due at the end of the term. In contrast, a repayment mortgage covers both the interest and the principal, so your loan balance decreases over time, but monthly payments are higher. The choice between these options depends on your financial goals and investment strategy. Use our calculator to see monthly costs for both types.
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