Buy to Let Mortgage calculator

How much rent will I need?

The buy to let mortgage calculator gives you an indication of how much potential rental income you would need to receive to secure a mortgage, based on the purchase price of the property and the mortgage amount required.

Here are things to consider with a buy to let mortgage:

  • The loan-to-value (LTV) generally needs to be lower than 85%
  • Your rental income will need to be above 125% of your monthly mortgage payment so if your mortgage is £1,000 your rent will need to be at least £1,250  
  • Interest rates on buy to let mortgages tend to be 1-2% higher than residential mortgages

The amount you can borrow on a buy to let mortgage is based on the rental income you could achieve on the property as well as the applicants annual income. Use this buy to let calculator to find out the likely rental income required by a mortgage lender to secure a buy to let mortgage.

The Financial Conduct Authority does not regulate most Buy-to-Let mortgages.


Embrace Financial Services usually charges a fee for mortgage advice. The precise amount of the fee will depend upon your circumstances but will range from £399 to £999 and this will be discussed and agreed with you at the earliest opportunity.

Buy to Let Calculator


This calculator provides a guide to the rental income likely to be required from a lender to support the mortgage applied for and does not guarantee eligibility for the mortgage. Please contact our partners Embrace Financial Services for a personalised Mortgage Illustration.

Need a buy to let mortgage?

Whether you're an experienced landlord or thinking of becoming a landlord for the first time our partners Embrace Financial Services will talk through your full situation and help find a buy to let mortgage that suits your needs.

Book your appointment

Want to know your potential rental income?

If you're thinking of letting out your property but aren't sure what rent you could achieve for the type of property in that area, get an instant online rental valuation now.

Instant rental valuation