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Work out your mortgage repayments based on your buy to let property value and deposit size.
The buy to let mortgage calculator offers a helpful estimate based on your rental income and property value, but it’s only a guide.
Lenders take additional factors into account, such as your credit history, personal income, and overall financial situation, which the calculator can’t assess fully.
To get a more accurate figure and access to the best mortgage deals, it’s recommended to speak with a mortgage broker like us.
We can help you navigate the complexities of buy to let mortgages and find a solution tailored to your investment needs.
Interest rates play a crucial role in determining your monthly mortgage payments, especially for a buy to let mortgage.
Higher interest rates increase the cost of borrowing, meaning your monthly payments will be higher, which can reduce your rental yield
If you have a tracker or variable rate mortgage, your payments will fluctuate based on changes to the Bank of England’s base rate.
For stability, many landlords opt for fixed-rate buy to let mortgages, locking in their payments for a set period.
Speaking with a mortgage broker can help you explore the best rates available for your buy to let investment.
Your loan value decreases over time as you make your monthly mortgage payments, with each payment contributing towards both the interest and the loan balance (the principal).
The speed at which the loan decreases depends on the type of mortgage you have. With a repayment mortgage, each payment gradually reduces both the interest owed and the principal, so your loan balance decreases steadily.
With an interest-only mortgage, you’re only paying the interest each month, meaning the loan balance remains unchanged until you repay the capital in full at the end of the term.
Your loan value over time is determined by several factors, including the type of mortgage and how much capital you repay each month
For a buy to let mortgage, if you choose an interest-only deal, your loan amount will remain the same until the end of the term, as you only pay the interest each month.
With a repayment mortgage, each monthly payment reduces both the capital and interest, meaning your loan balance decreases over time.
To understand which option suits your long-term property investment goals, speaking with a broker can provide tailored mortgage advice.
For a buy to let mortgage, most lenders typically require a minimum deposit of 25% of the property’s value, though this can vary based on your circumstances and the lender’s criteria.
Some may ask for as much as 40%, especially if you are looking for better interest rates or have a more complex financial situation.
A larger deposit can help you secure more favourable terms.
Speaking with a mortgage broker can help you explore your options and understand how much deposit you’ll need based on your investment goals.
Using a mortgage broker for your buy to let mortgage is highly recommended.
Mortgage brokers like us have access to a wide range of lenders, including specialist buy to let deals that may not be available directly to landlords.
We can help you navigate the often complex requirements, such as rental income calculations and affordability assessments.
By working with a broker, you’ll save time and have a better chance of securing a competitive rate, while ensuring the mortgage suits your investment strategy.
Our Customers Love Us
4.98 Rating542 Reviews
Katie
Tom and Paula have been great in helping us to achieve the mortagage that was right for us. We didn't feel pressured by Tom at any point, and felt we had the time to talk through out situation and worked on what was right for us, and we felt...
2 hours ago
Alison
Personable, flexible meetings, tailored service, prompt and made everything understandable!
1 day ago
Larre
We are incredibly grateful to Dinah at UK Moneyman for helping us secure our mortgage! From the very beginning, she was knowledgeable, supportive, and genuinely committed to finding the best solution for us. Dinah made what could have been a...
3 days ago
Sam
A fantastic company to use for mortgage brokering. The service levels are second to none, the staff are friendly and always willing to help, with fast, clear, and prompt communication. I cannot find any fault with their service and I am already a...
6 days ago
Anonymous
Jason was incredibly helpful. He demystified the mortgage process for us and made everything so much easier for us as first time buyers.
6 days ago
Anonymous
Very professional and helpful. Chris was very friendly and explained everything very clearly throughout. They were very professional and prompt with any information and updates
1 week ago
Mr Lewis
amazing service from a team of well trained professionals in the field , helped make applying for a mortgage feel like a breeze and would reccomend to anyone looking to use their knowledgebase
1 week ago
Amy
Fantastic service!! I literally cannot thank the team enough. Everyone, went above and beyond. Fast responses to questions and queries, regular updates and a really friendly team - all helped to put my mind at ease. Everything felt taken care of and...
1 week ago
Robert
They were friendly and really helpful I would recommend to friends, family
1 week ago
Deborah
Absolutely amazing company. I needed a mortgage for 3 people as joint owners. After trying to look myself with no success, I came across Nottingham Moneyman. The fee was worth every penny, as from start to finish Charlie and Amy sorted...
2 weeks ago
Tracey
Excellent service, nothing was too much bother. Would definitely recommend to friends and family.
2 weeks ago
Mrs Rebecca
Great help make the process easy will be using again in future
2 weeks ago
Angela
I could not be more pleased with the service from Wayne. Needing a mortgage at my age (old) was a daunting thought. He put me at ease straight away. He guided me through and with the help of Jo Parnell. I have my mortgage and the chance once again...
2 weeks ago
Joanne
Everyone who worked with us was amazing and I highly recommend UK Moneyman. They helped us every step of the way. Thanks Matt and Debbie
2 weeks ago
Maria
Conor and the team at UK moneyman have been amazing. Very attentive always on hand to answer any queiries at anytime. Very professional throughout the process and we 100% will recommend them going forward. Thanks again guys.
2 weeks ago
Richard
Entering into the mortgage world at almost 50 years old was daunting! We needed quite a large amount which would also need to run into our retirement years…. I contacted Conor Longthorne at UK Moneyman and instantly felt at ease with the whole...
2 weeks ago
Dr Gurvinder
The service provided by Connor and the team has been great, they have taken the stress out of re-mortgaging for me.
2 weeks ago
Viniece
Dinah made the mortgage process smooth and stress-free. She’s knowledgeable, responsive, and truly cares about her clients. I’m grateful for her help and would recommend her to anyone.
2 weeks ago
Sharon
Dan Osman was absolutely brilliant.In fact everyone at Moneyman was brilliant. Thank you all. Sharon Phillips.
3 weeks ago
Hamza
excellent service
3 weeks ago
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Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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Halifaxmoneyman.com & Halifaxmoneyman are trading styles of UK Moneyman Limited, which is authorised and regulated by the Financial Conduct Authority.
UK Moneyman Limited is Registered in England, No. 6789312 | Registered Address: 9 Gallows Lane, Beverley, United Kingdom HU17 7FJ.
Authorised and Regulated by the Financial Conduct Authority.
We are entered on the Financial Services Register No. 627742 at www.register.fca.org.uk.
© Halifaxmoneyman 2025.
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