Buy to Let Mortgage Calculator UK
Work out how much you can borrow on a UK buy-to-let mortgage, including rental cover (ICR), deposit and estimated monthly payments.
Compliance, tax, mortgages and portfolio ops - written for small landlords who run property like a business.
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Free interactive tools
Mortgage cover, yield, Section 24 tax and ICR stress tests - no signup to start.
Estimate max loan, LTV and monthly payments using rent, stress rate and ICR - the same cover checks UK lenders use.
Check rental cover at pay rate and stress rate, and see the rent or max loan needed to pass lender ICR.
Work out gross and net yield from purchase price, rent and running costs - including voids and management fees.
Pro deal studio with cashflow lines, stress presets and Monte Carlo fan charts for rate, void and growth risk.
Illustrate Section 24 finance-cost restriction, basic-rate tax credit and how much extra tax landlords may pay.
Work out how much you can borrow on a UK buy-to-let mortgage, including rental cover (ICR), deposit and estimated monthly payments.
How to estimate savings when remortgaging a UK buy-to-let from a fixed rate onto a new deal or SVR.
Estimate stamp duty land tax on a UK buy-to-let purchase, including the additional dwelling surcharge.
What ICR means for UK buy-to-let lending, typical stress rates, and how portfolio landlords are assessed.
Estimate UK tax on rental income for individual landlords, including Section 24 mortgage interest relief and basic vs higher rate.
Calculate gross and net rental yield for UK buy-to-let properties, with costs, voids and a simple worked example.
2-Year vs 5-Year BTL Fixes - practical UK landlord guidance from Property HQ.
Adverse Credit Buy to Let Options - practical UK landlord guidance from Property HQ.
What drives UK buy-to-let mortgage rates, fixed vs tracker choices, and how to compare deals beyond the headline rate.
When and how to remortgage a UK buy-to-let, including timing before a fix ends and portfolio landlord rules.
Why you usually cannot use a residential mortgage to fund a UK rental, and what happens if you do.
When a UK rental needs a commercial or semi-commercial mortgage rather than a standard BTL product.
When a specialist BTL broker helps UK landlords, what they cost, and what to prepare before you speak to one.
Expat Buy to Let Mortgages - practical UK landlord guidance from Property HQ.
First-Time Landlord Mortgages - practical UK landlord guidance from Property HQ.
Green Buy to Let Mortgages - practical UK landlord guidance from Property HQ.
Treat your UK buy-to-let debt book like a treasury function: maturities, rates, covenants and refinance pipeline.
How HMO mortgages differ from standard buy-to-let in the UK, including criteria, rates and licensing conditions.
A clear UK guide to buy-to-let mortgages: affordability, interest-only lending, fixed rates and lender criteria.
What surveyors look at on a UK buy-to-let valuation and why the figure can differ from the purchase price.
Typical deposit requirements for UK buy-to-let mortgages, including limited company and HMO lending.
A practical UK guide to stress-testing rental cover across multiple buy-to-let mortgages before rates rise or voids hit.
How to Track Mortgage Renewals - practical UK landlord guidance from Property HQ.
Why most UK buy-to-let loans are interest-only, repayment vehicle expectations, and risks at the end of term.
Lender Stress Rates Explained - practical UK landlord guidance from Property HQ.
How limited company (SPV) buy-to-let mortgages work in the UK, typical criteria, rates and personal guarantees.
How to compare UK buy-to-let deals when arrangement fees are added to the loan or paid upfront.
Mortgages on Low EPC Rentals - practical UK landlord guidance from Property HQ.
Personal Guarantees on Company BTL - practical UK landlord guidance from Property HQ.
What UK lenders mean by portfolio landlord, typical four-or-more mortgage thresholds, and what extra info you need.
Product Transfer vs Remortgage - practical UK landlord guidance from Property HQ.
Raising Capital from Buy to Let Equity - practical UK landlord guidance from Property HQ.
Second Charge Loans for Landlords - practical UK landlord guidance from Property HQ.
SVR Risk on Buy to Let - practical UK landlord guidance from Property HQ.
Why UK portfolio landlords miss remortgage windows and how to track every fixed-rate end date in one place.
How loan-to-value works for UK buy-to-let lending and why 75% LTV is still a common ceiling.
Using Bridging Then Exiting to BTL - practical UK landlord guidance from Property HQ.
When Your BTL Fixed Rate Ends - practical UK landlord guidance from Property HQ.
How to run landlord compliance like a small operations team: register, renewals, evidence and escalation.
Additional HMO Licensing Explained - practical UK landlord guidance from Property HQ.
Building a Compliance Calendar - practical UK landlord guidance from Property HQ.
How UK landlords must protect tenancy deposits, prescribed information deadlines, and common mistakes.
Clear rules for when three unrelated tenants tip a property into HMO licensing in England.
How much an EICR costs for flats, houses and HMOs in the UK, and what is included in the price.
What an EICR is, how often landlords need one in England, what unsatisfactory codes mean, and typical costs.
A plain-English explanation of Electrical Installation Condition Report (EICR) for UK landlords and tenants.
Minimum EPC ratings for UK private rentals, exemptions, and what to do if your property is below band E.
Fire Safety Duties for Landlords - practical UK landlord guidance from Property HQ.
Everything a first-time UK landlord should complete before handing over the keys.
Furniture Fire Safety in Rentals - practical UK landlord guidance from Property HQ.
Typical UK prices for a landlord gas safety check (CP12), what affects cost, and how to avoid overpaying.
What a gas safety certificate is, who can issue it, how much it costs, and how often UK landlords must renew it.
When a UK rental needs an HMO licence, mandatory vs additional licensing, and typical conditions.
HMO Management Regulations Overview - practical UK landlord guidance from Property HQ.
How Long to Keep Landlord Certificates - practical UK landlord guidance from Property HQ.
How to Check a Gas Safe Engineer - practical UK landlord guidance from Property HQ.
How to Check an EPC on the Register - practical UK landlord guidance from Property HQ.
Practical upgrades UK landlords use to lift EPC ratings, with rough cost bands and payback considerations.
The certificates every UK landlord needs: gas safety, EICR, EPC, smoke and CO alarms, and when each is due.
Electrical safety duties for private landlords in England, including EICR cycles and portable appliances.
An overview of the core legal duties of a UK private landlord, from fitness for habitation to deposits and safety.
Why UK landlords need a legionella risk assessment, what it covers, how often to review it, and typical costs.
Northern Ireland Landlord Obligations Overview - practical UK landlord guidance from Property HQ.
How to run a compliant right to rent check in England, including share codes, document lists and record keeping.
How tenants generate a right to rent share code and how landlords verify it on GOV.UK.
Scotland Landlord Registration Basics - practical UK landlord guidance from Property HQ.
How selective licensing schemes work in England, how to check if your postcode is covered, and typical fees.
Current England rules for smoke and carbon monoxide alarms in private rented homes.
Wales Landlord Registration Basics - practical UK landlord guidance from Property HQ.
HMO meaning for UK landlords: shared houses, bedsits, licensing thresholds and investment trade-offs.
A year-round bookkeeping rhythm for UK landlords so Self Assessment and MTD are not a March scramble.
Capital Allowances on Mixed Use - practical UK landlord guidance from Property HQ.
How CGT works when you sell a UK buy-to-let, reporting deadlines, reliefs, and records you should keep.
Choosing an Accountant as a Landlord - practical UK landlord guidance from Property HQ.
Frequent UK landlord tax errors: mixing capital and revenue, missing Section 24 maths, and poor records.
Director Loan Accounts in Property Companies - practical UK landlord guidance from Property HQ.
How furnished holiday let tax treatment has changed for UK landlords and what that means for short lets.
HMRC Record Keeping for Landlords - practical UK landlord guidance from Property HQ.
Home Office Costs for Landlords - practical UK landlord guidance from Property HQ.
Interest Relief for Basic Rate Taxpayers - practical UK landlord guidance from Property HQ.
Joint Ownership and Rental Tax - practical UK landlord guidance from Property HQ.
A practical checklist of allowable expenses for UK landlords, plus common costs that cannot be claimed.
Landlord Self Assessment Guide - practical UK landlord guidance from Property HQ.
When buying UK rental property through a limited company can make sense after Section 24, and when it does not.
What Making Tax Digital for Income Tax means for UK landlords, timelines, and how to prepare your records.
How the UK Non-resident Landlord Scheme works, tax deducted at source, and applying for gross rent approval.
Payments on Account for Landlords - practical UK landlord guidance from Property HQ.
How HMRC distinguishes investment property income from a trading business, and why landlords should care.
How the UK Rent a Room Scheme works, the annual exemption, and when it is better than declaring expenses.
Replacement of Domestic Items Relief - practical UK landlord guidance from Property HQ.
How Section 24 restricts mortgage interest relief for UK landlords, with worked tax examples and planning notes.
SPV vs Personal Ownership Compared - practical UK landlord guidance from Property HQ.
How the additional dwelling surcharge works on UK buy-to-let purchases and common SDLT pitfalls.
Taking Dividends from a Property Company - practical UK landlord guidance from Property HQ.
How UK landlords pay tax on rental profits, allowable expenses, payment on account, and Self Assessment basics.
The tax and mortgage issues when moving a personally held UK rental into a limited company.
Travel Expenses for Landlords - practical UK landlord guidance from Property HQ.
VAT and Residential Lettings - practical UK landlord guidance from Property HQ.
What to send your accountant each year, how property schedules should look, and how software reduces fees.
Year-End Checklist for Landlords - practical UK landlord guidance from Property HQ.
What an AST is, how it has underpinned England's private rented sector, and how reforms move landlords to a new tenancy model.
Court Possession Process Overview - practical UK landlord guidance from Property HQ.
Rules on rent increases for UK private landlords, Section 13 style processes, and reform direction under the Renters Rights Act.
The repair and fitness duties in the Landlord and Tenant Act 1985 that still shape UK private renting.
Pets in Rentals and New Rules - practical UK landlord guidance from Property HQ.
Renewing Tenancies Smoothly - practical UK landlord guidance from Property HQ.
A practical summary of the Renters Rights Act changes for UK landlords, including assured tenancies and possession grounds.
How Section 21 has worked historically in England, validity requirements, and how reforms change possession strategy.
Using Section 8 grounds for possession in England, including rent arrears grounds and evidence landlords need.
Serving Notices Correctly as a Landlord - practical UK landlord guidance from Property HQ.
What a solid UK tenancy agreement should cover, unfair terms to avoid, and documents to issue at move-in.
Using Guarantors on Tenancies - practical UK landlord guidance from Property HQ.
Practical tips for listing a UK rental on portals, writing particulars and avoiding discriminatory wording.
Annual Property Inspections - practical UK landlord guidance from Property HQ.
Building a Maintenance Reserve - practical UK landlord guidance from Property HQ.
Building Standard Operating Procedures - practical UK landlord guidance from Property HQ.
What UK landlord buildings insurance covers versus contents, and when tenants need their own policy.
All the costs UK landlords forget: voids, maintenance, compliance, insurance, service charges and tax.
Categorising Property Transactions - practical UK landlord guidance from Property HQ.
Corporate Lets for Landlords - practical UK landlord guidance from Property HQ.
Council Tax on Empty Rentals - practical UK landlord guidance from Property HQ.
Emergency Repairs Protocol - practical UK landlord guidance from Property HQ.
Default UK rules for who pays gas, electricity and water on an AST, and exceptions for inclusive rents.
Handling Tenant Complaints - practical UK landlord guidance from Property HQ.
A simple filing system for certificates, tenancies, statements and mortgage paperwork across a UK portfolio.
How to Reduce Void Periods - practical UK landlord guidance from Property HQ.
Inventory and Check-In Best Practice - practical UK landlord guidance from Property HQ.
Landlord Insurance Claims Process - practical UK landlord guidance from Property HQ.
What UK landlord insurance typically covers, what it does not, and how to choose buildings vs rent guarantee add-ons.
Making Fair Deposit Deductions - practical UK landlord guidance from Property HQ.
Managing a Small Multi-Unit Block - practical UK landlord guidance from Property HQ.
A practical system for UK landlords to log, prioritise and close out maintenance without losing the paperwork.
A calm first-response checklist when expected rent does not land in your account.
Move-Out Process for Landlords - practical UK landlord guidance from Property HQ.
Noise and Antisocial Behaviour - practical UK landlord guidance from Property HQ.
Onboarding a New Property into Your Portfolio - practical UK landlord guidance from Property HQ.
How UK landlords can use Open Banking to reconcile rent, spot missing payments and simplify bookkeeping.
Reconciling Rent to Each Tenancy - practical UK landlord guidance from Property HQ.
How UK landlords should respond to rent arrears early, communicate with tenants, and escalate without making legal mistakes.
How UK rent guarantee insurance works, typical exclusions, and when the premium is justified.
Renting to Students: Landlord Guide - practical UK landlord guidance from Property HQ.
Cost, control and compliance trade-offs for UK landlords choosing between self-management and a letting agent.
How UK landlords price a rental: comps, yields, tenant demand and the risk of overpricing into void.
Tenant Referencing Guide for Landlords - practical UK landlord guidance from Property HQ.
Utilities During Void Periods - practical UK landlord guidance from Property HQ.
Vetting Contractors as a Landlord - practical UK landlord guidance from Property HQ.
How self-managing UK landlords run viewings, compare applicants and choose without delaying the let.
Who Pays Council Tax: Landlord or Tenant? - practical UK landlord guidance from Property HQ.
The finance metrics UK portfolio landlords should review monthly: ICR, cash runway, concentration and refinance risk.
Why BMV deals appear in UK property investment marketing, and the due diligence landlords should not skip.
Building a Property Business Plan - practical UK landlord guidance from Property HQ.
A practical strategy framework for UK landlords with 2 to 20 properties: cashflow, risk and refinancing.
Buying at Auction for Buy to Let - practical UK landlord guidance from Property HQ.
Cashflow vs Capital Growth Strategies - practical UK landlord guidance from Property HQ.
Diversifying a Rental Portfolio - practical UK landlord guidance from Property HQ.
Exit Strategies for Landlords - practical UK landlord guidance from Property HQ.
HMO Returns: Realistic Expectations - practical UK landlord guidance from Property HQ.
Mortgage, insurance, council tax and utilities you still pay while a UK rental is empty for works.
A step-by-step path from first purchase to compliant letting for new UK buy-to-let landlords.
Interest Rate Scenarios for Landlords - practical UK landlord guidance from Property HQ.
A realistic look at UK buy-to-let returns after Section 24, higher rates, costs and the Renters Rights Act.
KPI Dashboard for Landlords - practical UK landlord guidance from Property HQ.
Leasehold Pitfalls for Landlords - practical UK landlord guidance from Property HQ.
New Build Buy to Let Pros and Cons - practical UK landlord guidance from Property HQ.
Passing a Portfolio to Family - practical UK landlord guidance from Property HQ.
A simple method for UK landlords to forecast rent, mortgage, voids and tax across multiple properties.
How UK landlords budget light and heavy refurbishments, including voids, contingency and EPC upgrades.
Regional Yield Differences in the UK - practical UK landlord guidance from Property HQ.
Rent to Rent Risks for Landlords - practical UK landlord guidance from Property HQ.
Service Charges and Net Yield - practical UK landlord guidance from Property HQ.
Serviced Accommodation vs AST - practical UK landlord guidance from Property HQ.
Single Let vs HMO: Which Suits You? - practical UK landlord guidance from Property HQ.
Plain-English definitions of the acronyms and terms UK landlords meet: AST, EICR, ICR, SDLT, SPV and more.
Gross and net yield benchmarks for UK buy-to-let, and why a 'good' yield depends on region, risk and financing.
When to Sell a Rental Property - practical UK landlord guidance from Property HQ.
AI for Landlords in the UK - practical UK landlord guidance from Property HQ.
Arthur Online vs Landlord Investor Tools - practical UK landlord guidance from Property HQ.
Automating Landlord Admin - practical UK landlord guidance from Property HQ.
Banking Feeds for Rent Reconciliation - practical UK landlord guidance from Property HQ.
A comparison of leading UK landlord and property management tools for small portfolio investors.
Compliance Reminders That Work - practical UK landlord guidance from Property HQ.
Document OCR for Landlords - practical UK landlord guidance from Property HQ.
Exporting Reports Your Accountant Wants - practical UK landlord guidance from Property HQ.
A realistic look at free landlord tools in the UK, where they stop, and when paid software is cheaper than chaos.
How UK landlords set up Property HQ: properties, mortgages, compliance dates, bank feeds and the virtual team.
Goodlord vs Self-Management Tools - practical UK landlord guidance from Property HQ.
If you are comparing Hammock for landlord bookkeeping, here is how to evaluate MTD-ready alternatives.
What UK landlords need from accounting software, including MTD readiness, schedules and bank feeds.
How to choose landlord software in the UK for compliance, banking, documents and portfolio reporting.
Looking beyond Landlord Vision: what small UK portfolio landlords should compare on compliance, banking and tax.
Landlord Vision vs Property HQ - practical UK landlord guidance from Property HQ.
Managing the Landlord Email Inbox - practical UK landlord guidance from Property HQ.
Mobile Workflows for Landlords - practical UK landlord guidance from Property HQ.
MTD Software Checklist for Landlords - practical UK landlord guidance from Property HQ.
Property HQ vs Spreadsheets - practical UK landlord guidance from Property HQ.
The difference between agency property management platforms and software built for hands-on landlords.
Features portfolio landlords actually use day to day: mortgages, compliance dates, cashflow and documents.
Sharing a Portfolio with a Business Partner - practical UK landlord guidance from Property HQ.
Software for a 10-Property Portfolio - practical UK landlord guidance from Property HQ.
What a virtual property PA (human or AI-assisted) can take off a UK landlord's plate, and what must stay with you.