BoE Live · Indicative Rates
    BoE Base—
    2yr Fixed4.12%
    5yr Fixed3.89%
    TrackerBBR + 0.45%
    Best Buy3.64%
    SVR Avg7.99%
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    Buy-to-Let

    UK Buy-to-Let Mortgage Calculator

    Model a UK BTL purchase end-to-end: deposit (25% default), interest-only or repayment EMI, stamp duty with the additional-property surcharge, gross yield, net cash flow, and lender ICR stress test.

    1. Property & deposit

    £
    £
    Loan amount£187,500 · LTV 75.0%

    2. Mortgage

    %

    Repayment type

    3. Region (stamp duty)

    BTL purchases pay the additional-property surcharge (SDLT).

    4. Rental income & costs

    £
    £

    Monthly mortgage payment

    £859.37

    Interest only · 25y · 5.50% APR · LTV 75.0%

    Stamp duty (SDLT)

    £12,500

    Gross rental yield

    6.72%

    Net monthly cash flow

    £361

    Cash to complete

    Deposit£62,500
    Stamp duty (SDLT +surcharge)£12,500
    Total cash needed£75,000

    Lender stress (ICR)

    Monthly rent£1,400
    Monthly interest£859.38
    ICR coverage163%

    Meets typical 125% lender ICR threshold.

    Annual returns

    Annual rent£16,800
    Annual mortgage−£10,312
    Annual costs−£2,160
    Net annual profit£4,328
    Cash-on-cash return5.77%

    Excludes income tax, void periods and capital gains. BTL income is taxed at your marginal rate; mortgage interest relief is capped at 20% basic-rate credit.

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    Last updated: 30 April 2026

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    Total Cost to Buy

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    Your home may be repossessed if you do not keep up repayments on your mortgage.

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    ⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

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