Buy-to-let mortgage calculator

See how much you could afford to borrow on a buy-to-let mortgage. Simply enter your expected rental income to get an estimate.

How much can I borrow?

For income above £10k please type in a value.

Use the slider above or enter an amount to see how much you could borrow for a buy-to-let mortgage.

You could borrow between:

How do we calculate this? Calculating exactly how much you can borrow depends on a number of things, such as:
Your personal income tax bracket The type of tenancy agreement you have in place The amount of deposit you have What type of deal you go with, aka 2 year fixed versus of 5 years fixed
Sometimes it can be possible to borrow more than the calculator on our website shows. Our advisers will help with this.

Note: All potential borrowing is subject to affordability checks and credit status.

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Speak to a buy-to-let mortgage expert

Get fee-free advice on all buy-to-let mortgages. Book a free call

How does our buy-to-let mortgage calculator work?

Our buy-to-let mortgage calculator is ideal for first-time and existing buy-to-let landlords to get an estimate of how much you could borrow on a buy-to-let mortgage. This straightforward calculator only asks for your monthly rental income.

The above calculator is intended to only give you an indication and sometimes you may be able to borrow more than what it shows. Calculating exactly how much you could borrow depends on a number of things like:

  • Your personal income tax bracket
  • The amount of deposit you have
  • The type of tenancy agreement you have in place
  • What type of deal you go with, aka 2 year fixed versus a 5 years fixed

Speaking to an experienced mortgage advisor can help you to understand your options and get a great deal on your mortgage. If you’re looking for somewhere to start, you can speak to a Rest Less Mortgages advisor and get high quality advice** on standard, retirement interest-only and buy-to-let mortgages.

Want to discuss your options with an experienced buy-to-let mortgage specialist? Arrange to speak with an expert advisor at Rest Less Mortgages and get high-quality, fee-free advice on all mortgages – including buy-to-let.

If you’d like to find out the kind of deals available on the market now, you can compare buy-to-let rates from the whole of market in minutes. Our comparison tool makes it easy to try out a few scenarios to see how that affects the buy-to-let mortgage rates available – simply adjust your options to see how that affects the results.

If you have just started exploring buy-to-let mortgages and would like to learn more, our in-depth mortgages guides can help.

Get expert mortgage advice**

If you’d like to talk to someone about your mortgage, you can get high quality advice on standard, retirement interest-only and buy-to-let mortgages from a Rest Less Mortgages advisor.

Get expert mortgage advice**

Rest Less Mortgages Ltd is an appointed representative of Julian Harris Mortgages Ltd, Julian Harris House, Musgrove, Ashford. TN23 7UN which is authorised and regulated by the Financial Conduct Authority. Julian Harris Mortgages Ltd FCA Register number is 304155, Co No. 3927189. The Rest Less Mortgages Ltd registered office is: 47 Butt Road, Colchester, England, CO3 3BZ. Registered in England No. 13538805. Please note that some mortgages such as commercial BTLs are not regulated by the FCA. Please see our Privacy Policy.

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