Calculate affordability, payments, yields, stamp duty and investment returns - all in one place.
Get ONS-backed rental estimates for any UK location
Calculate your maximum borrowing based on rental income using PRA-compliant Interest Coverage Ratio (ICR) stress testing.
Lenders must ensure your rental income covers 125% of mortgage interest at a stressed rate. 5-year fixed products allow lenders to use the pay rate, significantly increasing borrowing power.
Get personalised mortgage recommendations based on your profile from our panel of 80+ UK lenders.
Calculate your monthly mortgage payments for both interest-only and capital repayment options. Compare side-by-side.
With interest-only, you'll need a repayment strategy (e.g., property sale, savings, pension) to clear the loan at term end.
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Calculate both gross and net rental yields. Understand the true return on your buy-to-let investment after all costs.
Calculate Stamp Duty Land Tax (SDLT) including the 3% additional property surcharge and 2% non-resident surcharge.
Stamp Duty must be paid within 14 days of completion. Your solicitor typically handles this as part of the conveyancing process.
Stop searching endlessly. Our smart matching system finds the best BTL mortgage deals tailored to your exact circumstances.
Comprehensive ROI analysis including cash-on-cash return, total capital required, and Section 24 tax impact.
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Data is refreshed periodically from official UK government sources. Last update: January 2026
