Buy-to-Let Mortgage Calculator
Calculate monthly mortgage payments for investment properties. Compare interest-only and repayment options.
Mortgage Details
£50,000
Monthly Payments
£688
Interest Only
£921
Repayment
Loan Amount£150,000
LTV (Loan to Value)75%
Total Interest (Repayment)£126,339
Total Repayable£276,339
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Buy-to-Let Mortgage Tips
- Minimum deposit: Most BTL lenders require 25% deposit minimum
- Interest coverage: Rental income typically needs to be 125-145% of mortgage payment
- Interest-only: Common for BTL to maximise cash flow; capital repaid on sale
- Stress testing: Lenders test affordability at 5.5%+ rates regardless of actual rate
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