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Buy-to-Let Mortgage Calculator UK

Calculate your BTL mortgage payments, check lender affordability requirements, and stress test your deal against higher interest rates.

Mortgage Details
Enter your property and mortgage information
£
£
%
£
No

For ICR (affordability) calculation

£

Want complete property analysis including yield, cashflow, and tax impact?

Monthly Payment

£688

Interest Only

Loan-to-Value

75.0%

£150,000 loan

Passes Lender ICR Check

Interest Coverage Ratio: 1.45x

Minimum Required

1.25x (125%)

Payment Summary
Loan Amount£150,000
Annual Payment£8,250
Total Interest (25 years)£206,250
Total Repayment£356,250
Interest Rate Stress Test
How your payments and ICR change at higher rates
RateMonthlyICRPasses
5.5%£6881.45x
6.0%£7501.33x
7.0%£8751.14x
8.0%£1,0001.00x

Frequently Asked Questions

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Guides behind these numbers

Plain-English reading on the rules and strategy behind this calculator.

All insights
15 June 2026Market Analysis

BoE Rate Hold: What a Prolonged Pause Means for BTL Landlords

The Bank of England is expected to hold at 3.75% on 18 June 2026, with OIS markets pricing a hold at around 96%. But the real story is a more hawkish vote split, rising hike risk, and what a higher-for-longer rate environment means for landlords remortgaging in H2 2026.

11 June 2026Market Analysis

Why Are Buy-to-Let Mortgage Rates Falling? The June 2026 Repricing Explained

More than a dozen lenders cut buy-to-let mortgage rates in the first week of June 2026. SWAP rate easing is the driver. Here is what the repricing means for landlords remortgaging in H2 2026, and what falling rates do not yet mean.

13 July 2026Market Analysis

Buy-to-Let Mortgage Market Update: Summer 2026

Six waves of lender cuts have brought the Moneyfacts BTL average to 5.42%. Hike risk on July 30 has collapsed from 21.5% to around 5%. Here is where the BTL mortgage market stands and what landlords remortgaging in H2 2026 should do.