Calculate your monthly repayments and total interest costs
A Buy to Let Mortgage Calculator is a practical tool designed to help landlords, property investors, and real estate enthusiasts estimate the monthly repayments, total interest costs, and total repayment amount when purchasing a property with the intention of renting it out.
This calculator takes into account key variables such as:
Property Purchase Price
Deposit Percentage or Amount
Loan Term
Interest Rate
Mortgage Type (Repayment or Interest-Only)
By providing instant projections, it empowers you to make smarter investment decisions by assessing whether the rental income will cover your monthly repayments and yield a profitable return.
Real-time Calculation: Instantly calculates monthly repayments based on user input.
Flexible Deposit Options: Accepts deposit as a percentage or fixed dollar amount.
Supports Repayment and Interest-Only Mortgages
Displays Total Interest Payable Over Term
Clear Loan Summary Output: Includes total amount repayable, loan amount, and monthly costs.
User-Friendly Interface: Simple, clean design for quick access and navigation.
‘Clear’ Button: Resets fields for fresh calculations without refreshing the page.
Investment Insight: Understand whether the property is financially viable for rental income.
Better Planning: Estimate how much rental income you need to cover mortgage repayments.
Compare Mortgage Deals: Easily evaluate interest rates, deposit levels, and loan terms.
Risk Management: Visualize the long-term cost of your investment.
Supports Decision-Making: Helps decide if you should increase the deposit or shop for better interest rates.
Quick Results Without Financial Advisor Costs
Enter Property Purchase Price – The full cost of the property you intend to buy.
Input Deposit (in % or $) – Either as a percentage of the property price or an exact figure.
Select Mortgage Term – Usually ranges from 5 to 30 years.
Enter Annual Interest Rate – The expected interest rate from your lender.
Choose Mortgage Type – “Repayment” pays off interest + principal; “Interest-Only” covers only the interest.
Click “Calculate” – Instantly see your monthly repayment, total interest, and full cost.
Use “Clear” – To reset the inputs and try another property or loan scenario.
Individual Landlords: Planning to invest in residential rentals.
Property Developers: Analyzing financing costs across multiple properties.
Real Estate Agents: Demonstrating affordability to clients.
Portfolio Investors: Comparing several properties with varied terms.
Buy to Let Mortgage Brokers: Assisting clients with fast, tailored estimates.
| Feature | Repayment Mortgage | Interest-Only Mortgage |
|---|---|---|
| Monthly Payment | Higher | Lower |
| Capital Reduction | Yes | No |
| Risk | Lower long-term risk | Higher risk at end of term |
| Total Interest Paid | Less overall | More over time |
| Equity Built | Yes | No |
| Ideal For | Long-term owners | Short-term income-focused investors |
Tip: Interest-only loans may appear attractive due to lower monthly payments, but they often result in much higher total interest and no equity built unless you sell or refinance.
When investing in property, the numbers must make sense. One wrong estimate can mean years of negative cash flow. A Buy to Let Mortgage Calculator acts as a safeguard by giving you clarity on your monthly commitments before you commit financially.
It answers the following key questions:
Can I afford this investment long-term?
Will rental income cover my mortgage?
How much interest will I pay over time?
What’s the loan-to-value (LTV) ratio and its impact?
This calculator ensures you’re not operating blindly — a must-have for any serious or first-time landlord.
| Criteria | Buy to Let Calculator | Standard Mortgage Calculator |
|---|---|---|
| Purpose | Rental Property Investment | Owner-occupied Homes |
| Income Considered | Rental Yield | Employment/Salary |
| Deposit Required | Higher (20–40%) | Lower (5–20%) |
| Interest Rate | Usually Higher | Typically Lower |
| Mortgage Types | Repayment & Interest-Only | Mostly Repayment |
A Buy to Let Mortgage Calculator helps landlords and investors estimate monthly repayments, total interest, and overall loan costs when financing a rental property.
Property investors, landlords, real estate agents, mortgage brokers, and anyone looking to purchase property for rental income.
It provides reliable estimates based on standard mortgage formulas. Actual lender terms may vary.
Repayment mortgages include both interest and principal in monthly payments. Interest-only mortgages pay only interest each month, with the loan repaid in full at the end of the term.
Usually 20–40% of the property price, depending on lender policies and your creditworthiness.
Loan amount = Property price minus deposit. This is the amount borrowed from the lender.
It’s designed for residential buy-to-let properties. Use with caution for commercial use.
Yes, it’s responsive and works on phones, tablets, and desktops.
Yes, if you’re buying an additional property to rent out.
The UpStore platform offers mid-sized companies a full range of integrated business financial management features.