Calculate buy-to-let mortgage payments, rental yields, cash flow analysis, and investment viability. Includes tax considerations and lender criteria.
Buy-to-let mortgages differ significantly from residential mortgages in the UK. Lenders assess affordability based on expected rental income rather than personal income alone, typically requiring rent to cover 125-145% of mortgage payments when stress-tested at higher interest rates. This calculator helps you understand whether a property investment meets lender criteria and generates positive cash flow.
Successful buy-to-let investing requires careful analysis of multiple factors: gross and net rental yields, loan-to-value ratios, monthly cash flow, tax implications, and total return on investment. Our comprehensive calculator evaluates all these metrics to give you a complete picture of your property investment's financial viability.
The UK property investment market in 2025 presents both opportunities and challenges. With average BTL mortgage rates ranging from 5.5-7%, higher stamp duty surcharges (additional 3%), and evolving tax regulations including Section 24 restrictions on mortgage interest relief, thorough financial planning is essential before committing to a buy-to-let purchase.
Enter property and rental details for complete analysis
BTL mortgages typically require 25-40% deposit
Monthly Cash Flow
Gross Yield
Rent Coverage
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If the numbers stack up, consider speaking to a BTL mortgage specialist. Many lenders offer competitive rates for landlords with good credit and sufficient deposits.