Buy to Let Mortgage Calculator

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Buy to Let Mortgage Calculator

Work out your Buy to Let figures in minutes. Get a quick estimate of your loan amount, monthly payments, and deposit, then speak to GPS Financial for advice tailored to your investment plans.

Need tailored figures?

This calculator gives you a solid guide. For a personalised illustration that reflects rental income, lender stress tests, and your wider portfolio, call 029 2267 7707 or request a callback and we will fine tune the numbers for your property.

Why choose GPS for Buy to Let mortgages?

Access to a broad panel of Buy to Let lenders
Experience with HMOs, multi unit blocks, and portfolio cases
Straightforward, ethical advice from a UK wide specialist team

FAQs

What is a Buy to Let mortgage?

A Buy to Let mortgage is used to purchase or refinance a rental property. Lenders focus on rental income, loan to value, and the overall structure of the deal.

How much deposit do I need?

Most Buy to Let mortgages need a deposit of 20 to 25 percent. This can vary based on the property type, lender criteria, and your experience as a landlord.

How is affordability worked out?

Affordability is usually based on rental income rather than personal income. Lenders apply stress tests to ensure the rent covers the mortgage, even if rates increase.

Can first time landlords apply?

Yes. Some lenders support first time landlords, although criteria can be tighter. Choosing the right lender from the outset is key.

Buy to Let Mortgage Calculator