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Tools/BTL Mortgage Calculator

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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