Updated - 2025/26 rates

Buy-to-let mortgage repayment calculator UK 2025/26

Calculate your monthly mortgage payment and total interest cost for a buy-to-let property purchase. Works for both interest-only and capital repayment mortgages, and shows the full interest cost over the term.

UK MORTGAGE CALCULATOR · 2025/26

Mortgage repayment calculator UK

Estimate your monthly mortgage repayments based on property price, deposit, mortgage term, and interest rate. Includes repayment and interest-only options commonly used by landlords and buy-to-let investors.

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Inputs

Enter your mortgage details

Estimates update locally in your browser. Rates and lender criteria vary.

Output

Estimated repayment

MONTHLY PAYMENT £0

Enter figures and calculate.

Repayment mortgage
Mortgage amount £0
Loan-to-value (LTV) 0%
Total repayable £0
Total interest £0
Interest rate 0%
Mortgage term 0 years
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Planning estimate

Useful for quick affordability and monthly repayment modelling.

Updated methodology

Uses standard UK repayment and interest-only mortgage calculations.

Privacy first

All calculations run inside the browser no data storage.

Clear & transparent

Designed for plain-English mortgage and property finance analysis.

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This calculator provides a planning estimate only and is not tax, mortgage, legal, insurance, or investment advice. Section 24 calculations can be affected by income ordering, losses, Scottish tax bands, jointly owned property, partnerships, companies, carried-forward finance costs, allowances, and Self Assessment rules. Speak to a qualified adviser before acting.

Frequently asked questions

Should I get an interest-only or repayment buy-to-let mortgage?
What interest rate should I use in this calculator?
How often do buy-to-let mortgage rates change?
Can I overpay on a buy-to-let mortgage?
What happens at the end of an interest-only mortgage term?
Does private residence relief apply to a property I used to live in?

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Disclaimer: This calculator provides an estimate based on publicly available UK tax rates and industry data current to 2025/26. It does not constitute tax, legal, or financial advice. Your actual figures may differ depending on your specific circumstances. Always confirm your position with a qualified solicitor, accountant, or financial adviser before making any property or financial decision.
@ 2026 LandlordCalcs · Rates updated 2025/26 · Not financial advice
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