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Buy-to-Let Mortgage Calculator (UK)

Calculate buy-to-let mortgage payments, rental yield, and interest coverage ratio (ICR) for UK landlords.

Also try:🏡 Interest-Only Mortgage (UK)🏡 Mortgage 🏘️ Buy-to-Let / Second Home Stamp Duty

💱 Amounts shown in selected currency. Rates are approximate — for exact rates check your bank.

About This Calculator

Buy-to-let mortgages in the UK are typically interest-only. This calculator shows your monthly interest payment, gross rental yield, and interest coverage ratio (ICR) — a key metric lenders use for affordability.

About This Calculator

Buy-to-let mortgages in the UK are typically interest-only. This calculator shows your monthly interest payment, gross rental yield, and interest coverage ratio (ICR) — a key metric lenders use for affordability.

Frequently Asked Questions

What is a good rental yield for buy-to-let?

Gross rental yields of 5–8% are generally considered good for UK buy-to-let property, though this varies significantly by region.

What is an Interest Coverage Ratio (ICR)?

ICR measures whether rental income covers the mortgage interest payment, typically expressed as a percentage. Most UK lenders require at least 125–145% ICR.