Back to Calculators
Buy-to-Let

Buy-to-Let Calculator

Analyse your rental property investment with yield calculations, interest cover ratio (ICR) assessment, and monthly cash flow projections.

Buy-to-Let Investment Calculator
Calculate your rental investment returns
AI-Powered Yield ValidationCheck if your rental yield is realistic

Min 20% deposit required

Set to 0% if self-managing

Unlock Your Results

Enter your details to see your investment analysis

Investment Summary

LTV
75.0%
Loan Amount
£225,000
ICR
1.45x
Gross Yield
6.00%
Monthly Interest
£1,031
Net Yield
1.27%
Monthly Cashflow
£319
Cash-on-Cash Return
5.1%

Most BTL lenders require ICR (Interest Cover Ratio) of 125-145% at a stressed rate. Calculations are on interest-only basis. Excludes maintenance, voids, and other costs.

Find the Best BTL Rates

We work with specialist BTL lenders including options for portfolio landlords and HMO investors.

Buy-to-Let Mortgage Guide

Buy-to-let mortgages are specifically designed for landlords purchasing residential properties to rent out. They differ from standard residential mortgages in their affordability assessment and typically require larger deposits.

Key Assessment Metrics

  • ICR (Interest Cover Ratio): Rental income must cover interest payments by 125-145%, often calculated at a stressed rate of 5.5%+
  • LTV: Typically maximum 75%, though some lenders offer up to 80%
  • Gross Yield: Annual rent as a percentage of property value - aim for 5%+ for positive cash flow
  • Cash-on-Cash Return: Annual profit as a percentage of your cash invested

BTL Mortgage Types

  • Standard BTL: For single let properties with one AST tenancy
  • HMO Finance: For houses in multiple occupation with room-by-room letting
  • Portfolio Landlord: For landlords with 4+ mortgaged properties
  • Limited Company BTL: For properties held in a SPV or trading company