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.

Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority.


Your initial mortgage appointment is without obligation. Embrace Financial Services normally charge a fee for their services; however, it is payable only on the submission of your mortgage application. The fee will depend on your circumstances but the standard fee is £549. Complex cases usually attract a higher fee. Embrace Financial Services will discuss and agree the fee with you prior to submitting any mortgage application.

Buy to Let Calculator


Rental income

Loan to value (LTV):

Thinking of renting out your property? Our local lettings experts will give you a current rental valuation and talk you through your options.

Book an appointment

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. This information is a guide only and should not be relied on as a recommendation of advice. Please contact our partners Embrace Financial Services to make an appointment to receive mortgage advice suitable for your needs and circumstances.

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

Buy to Let Calculator | Find out your 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