First-Time Buyer Buy-to-Let Mortgage Calculator

How much could you borrow as a first-time landlord?

Use our first-time buyer buy-to-let mortgage calculator to see how much you could borrow to start your investment journey. No credit checks here! Simply fill out the information below to get your estimate!

Specialist First-Time Landlord Guides

Browse our specialist guides to understand the criteria, deposits, and lender requirements for starting a portfolio as a first-time buyer.

6 mins

First-Time Buyer BTL Mortgages

Everything you need to know about starting your property portfolio as a first-time buyer, from deposits to criteria.

Read FTB BTL Guide

11 mins

Buy-to-Let mortgages explained

New to property investment? Learn the basics of how buy-to-let lending works and what to expect from the application.

Read BTL Explained

5 mins

What does a mortgage broker do?

Find out how a specialist broker can help you navigate the lenders who offer BTL mortgages to first-time buyers.

Read Broker Guide

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, 21 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, 22 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

Yes. While many lenders require you to own a residential property first, several specialist lenders offer buy-to-let mortgages specifically for first-time buyers.

Typically, you will need a minimum deposit of 25%. Some specialist lenders may consider 20% depending on the rental yield and your overall profile.

Lenders primarily look at the property’s projected rental income. They use an Interest Cover Ratio (ICR) to ensure the rent comfortably covers the mortgage payments.

Many specialist lenders require a minimum earned income (usually £25,000), though some have no minimum income requirements if the rental cover is strong enough.

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First-Time Buyer Buy-to-Let Mortgage Calculator