Buy to let mortgage calculator

How much rent will I need?

The buy to let mortgage calculator gives you an indication of how much potential rental income you would need to receive to secure a mortgage, based on the purchase price of the property and the mortgage amount required.

Here are things to consider with a buy to let mortgage:

  • The loan-to-value (LTV) generally needs to be lower than 85%
  • Your rental income will need to be above 125% of your monthly mortgage payment so if your mortgage is £1,000 your rent will need to be at least £1,250  
  • Interest rates on buy to let mortgages tend to be 1-2% higher than residential mortgages

The amount you can borrow on a buy to let mortgage is based on the rental income you could achieve on the property as well as the applicants annual income. Use this buy to let calculator to find out the likely rental income required by a mortgage lender to secure a buy to let mortgage.

Buy To Let Calculator


This calculator provides a guide to the rental income likely to be 'required' from a lender to support the mortgage applied for.

This calculator provides a guide only and does not guarantee eligibility for a mortgage. Please contact Embrace Financial Services for a personalised Key Facts Illustration.