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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 Rating263 Reviews
Helen
Leo and the team have been exceptionally thorough in explaining all my options. I truly felt that Leo had my best interests at heart, going above and beyond even offering advice and support beyond his usual remit. He’s been incredibly patient with...
1 month ago
Steven
Always very helpful. Helped us buy our first house and have been great assisting with the remortgage process.
2 months ago
Mr James
Always friendly and provide sound advice. Very supportive look out for the best interest of the client.
2 months ago
Kevin
Brilliant from start to finish. No fuss. Chris found me a new deal with my existing provider. Have recommended this company to my friends.
2 months ago
Hannah
Fantastic service from beginning to end, extremely informative and supportive. Daniel was very easy to communicate with and provided all the information we needed.
2 months ago
Michael
Excellent service, always professional and friendly. This is the second time I’ve used moneyman and their advice has been invaluable. Jason and Lizzi have been outstanding.
2 months ago
Vitor
I am so glad I find this Mortgage Broker , specially Tom Bowes and Debbie Stones, they both were very professional and polite from start to end , they keep me informed and updated at all times, the process was very smoth and fast, highly...
2 months ago
Tarique
I wanted to say a big thanks to Paula, Leo, and the Liverpoolmoneyman team. Both Paula and Leo have managed to secure me a great mortgage deal. Making this whole process seamless and less stressful with clear communication during each stage. I would...
3 months ago
Tarique
I wanted to personally thank Leo Shakespeare, and Paula Milner. And the UK Moneyman team for outstanding customer service in securing my new mortgage. Your outstanding expertise, patience, and clear communication has made this whole process much...
3 months ago
Georgia
Daniel was so helpful throughout our remortgage process. We used Liverpool Money Man when taking out the original mortgage and we didn’t regret it at all, so helpful and made us feel so reassured at each stage. Thank you again!
4 months ago
Shauna
Matt and Debbie at Liverpool Money Man were so helpful throughout the process of securing me my mortgage offer. From start to finish, they were friendly & explained every step of the process. They were also easily contactable and responded to any...
6 months ago
Rajeetha
Very good service
6 months ago
Rajeetha
I am with Liverpoolmoneyman from 2020. Always reminding me the end of terms make good offer from mortgage providerS.
6 months ago
Katie
Very happy with the service provided. Both Dan and Jonathan were very informative and supportive throughout the process, and I especially thank them both for their patience in answering all of my questions and clarifying everything for me. I will...
7 months ago
Anonymous
Very patient crew although we showered them with a lot of questions and frequently asked for updates
8 months ago
Ryan
Would highly recommend done all the leg work thank you Charlie/Jo and the ukmoneyman team
9 months ago
Nicholas
Really good and very helpful
10 months ago
Agnes
Johnathan went above and beyond to help me especially in the last few weeks of the process. I would highly recommend Liverpoolmoneyman-Mortgage Brokers, he definitely went the extra mile for me . Thank you Johnathan.
10 months ago
Marie
From start to completion a most positive experience. The initial advice from Dan and his courteous manner and patience throughout our dealings was exceptional. We were kept informed at every stage of proceedings by himself and Jonathan which...
10 months ago
Jake
Very impressed with the service from Jason! Always there to answer any questions and went above and beyond what we expected! Broke down all the details and technical information to a very easy to understand level, and made the process very simple....
11 months ago
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Liverpoolmoneyman.com & Liverpoolmoneyman 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.
© Liverpoolmoneyman 2025.
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Liverpoolmoneyman.com & Liverpoolmoneyman 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.
© Liverpoolmoneyman 2025.
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