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Buy-to-Let Mortgage Calculator

How much could you borrow?

No credit checks here! Simply fill out the information below to get your estimate!

Specialist Buy-to-Let Mortgage Calculators

Use our specialist buy-to-let mortgage calculators to get an instant estimate of your borrowing potential. Whether you are a first-time landlord, an HMO investor, or looking to refinance through a limited company, our tools provide fast results based on current rental yields and lender criteria.

Holiday Let Mortgage Calculator

Estimate your borrowing potential based on seasonal rental income and projected yields for short-term holiday lets.
Calculate Holiday Let Borrowing

Ltd Company BTL Calculator

Calculate how much your SPV or limited company could borrow for a property investment based on current tax stress tests.
Calculate Ltd Co Borrowing

BTL Remortgage Calculator

Find out how much equity you could release or how much you could save by switching your current mortgage to a better rate.
Calculate Your BTL Remortgage

HMO Mortgage Calculator

Work out your borrowing power for multi-room properties using specialised rental calculations for HMO investments.
Calculate HMO Borrowing

FTB BTL Mortgage Calculator

See how much you could borrow to start your property portfolio, even if you don't currently own your own residential home.
Calculate FTB BTL Borrowing

Excellent

4.94 based on 156 reviews

Jonathan

Verified user

Wouldn't hesitate to recommend. Daniel at Just mortgage Brokers helped me get a mortgage in 2015 and then 10 years later he helps me secure a mortgage for my second house. Wouldn't go elsewhere. Many thanks.

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United Kingdom, 17 hours ago

Claire & Richard

Verified user

Been using a few years now , always a pleasure to work with with Daniel and always finds us the best deal.

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United Kingdom, 18 hours ago

Nathan & Erin

Verified user

Dan was fantastic from start to finish. It took him less than a day to secure us a mortgage offer on a competitive rate. Never a question he was unable to answer whether it was mortgage or life insurance related. Highly recommend, A1 service!

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United Kingdom, 2 months ago

Gary

Verified user

Daniel helped us again renewing our mortgage and was extremely helpful throughout the entire process. Emails were responded to promptly, and any queries we had were dealt with without hesitation. Highly recommend.

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United Kingdom, 2 months ago

Costas

Verified user

We were very happy with Daniel at Just Mortgages as he helped us with our mortgage journey.He was very helpful and the process was quicker then we expected.Excellent customer service and very professional....5 Star review for Just Mortgages!

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United Kingdom, 8 months ago

Yaser & Amanah

Verified user

Daniel was excellent, he really helped us get the right mortgage package. He helped me understand each package and rate. Daniel was very patient with me. Thank you Daniel! I honestly highly recommend

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United Kingdom, 8 months ago

Timothy

Verified user

As a Landlord with a large portfolio the number of products available are limited. Daniel was great identifying competitive products and we agreed to three buy to let mortgages which completed without any issues. All questions and responses were anwered in a timely and professional manner. I would recommend Daniel and Just Morgage Brokers.

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United Kingdom, 8 months ago

Verity

Verified user

Just Mortgage Brokers are very helpful and responsive. Would definitely recommend their services to everyone

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United Kingdom, 8 months ago

Daniel

Verified user

Excellent support getting my initial mortgage and subsequently remortgaging. Very friendly service, always transparent and honest. Recommend highly

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United Kingdom, 8 months ago

Sarah

Verified user

It’s the second time we have used Just Mortgage Brokers & they were amazing! Daniel made everything so easy for us. We will definitely use them every time & recommend to friends & family.

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United Kingdom, 8 months ago

FREQUENTLY ASKED QUESTIONS

Unlike residential loans, borrowing is primarily based on the property’s expected rental income rather than your salary. Most lenders require the rent to cover between 125% and 145% of the monthly mortgage interest payments when tested at a “stressed” interest rate.

Lenders apply a “stress test” to ensure you can still afford the mortgage if interest rates rise. They typically calculate affordability using a notional interest rate (often between 5% and 8%) rather than your actual product rate, unless you are fixing for five years or more.

You generally need a minimum deposit of 25%, giving you a 75% loan-to-value (LTV). While some specialist lenders offer 80% or even 85% LTV, these products often come with much higher interest rates and stricter rental cover requirements.

Yes, through a process called “top-slicing.” Some lenders allow you to use your surplus personal salary to make up for a shortfall in rental income, though you will still need to meet their minimum earned income requirements (usually £25,000 per year).

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01473 356 284