Habito

Buy-to-let mortgage calculator

See how much you could borrow for a buy-to-let mortgage, and what your monthly payments would be.

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See what you could borrow

See your monthly mortgage cost

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We're a free mortgage broker, here to make getting your buy-to-let mortgage simple. Tell us a bit about you and we'll pair you with your own personal expert.

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How does this buy-to-let calculator work?

This calculator assumes that:

  • You have £25,000+ income a year
  • You're not a first time buyer
  • You have a deposit of at least 20%

Increase your property value. Because almost all buy-to-let lenders need a deposit of 20% from you, this calculator caps the amount you can borrow at 80% of the property value. You might be able to borrow more than it shows you: create an account and we'll find out for you.

Increase the monthly rent. Lenders usually want your monthly rent to be 25% higher than a high 'stress test' interest rate they set to test your application. If you're able to charge tenants a higher rent, that usually means you can borrow more.

Lenders usually want a minimum 20% deposit for buy-to-let properties. Your deposit doesn't affect how much you can borrow, but it does open up cheaper interest rates for you.

Habito is a free online mortgage broker

Buy-to-let mortgage? We make it simple. We search the whole market to find the best deal for you, then handle your application from start to finish. All for free.

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