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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
5.00 Rating22 Reviews
Dawn
Can not fault this Mortgage Brokers. Connor was always there if I had any questions. My mortgage was dealt with super quick !! I felt totally at ease talking to him, 10/10 and would recommend to anyone who needs a Broker . Thanks so much .
2 months ago
Anonymous
Fantastic service provided by Matt C. We are first time buyers and have been well supported throughout our mortgage application.
2 months ago
Lorrin
Working with Chris at uk money man was such a breeze. Being not only a first time buyer but using the right to buy scheme can't be so confusing stressful. Chris completely removed all the worry for us,and stacey has been amazing getting us through...
3 months ago
Dale
Absolutely brilliant staff, I felt that they really cared and were very patient me. I honestly believe I probably would have never bothered to continue buying my house without the help of this firm. Very trustworthy and did exactly what they said...
3 months ago
Victoria
I have had an incredible experience with money man. The whole process from start to finish was so professional and helpful. My mortgage advisor Dinah went above and beyond for me and really reassured me as a first time buyer by explaining everything...
4 months ago
Jill
Excellent customer service - highly recommend
1 year ago
Paul
Professional service that was friendly and problem free - could not be faulted and is highly recommended for later life financial services.
1 year ago
Sikandar
Matt has been amazing. He not only found me the cheapest mortgage but also made sure that the offer is secured quickly. He remained in close contact advising me at every step of the process. He also helped me in negotiations with the vendor’s...
2 years ago
Anonymous
Helped us to find a reasonable deal but also requested a better one when the lender reduced their rates
2 years ago
Steven
Fantastic service and had our mortgage approved within a week of our first call! Chris and Jo were a pleasure to deal with and available to chat at a moment's notice, even at weekends. The process was incredibly smooth and any recommended parties...
2 years ago
Grace
Matt gave us really good advise, which helped to give us the confidence to proceed with purchasing our first home. Once we had an offer in we were quickly shown the best mortgages to apply for, life insurance/critical illness insurance, and we were...
3 years ago
Lois
Brilliant service as always. Thank you guys 🙏 🏡
3 years ago
Anonymous
Both Jason and Chole were very helpful in helping me and my partner secure a mortgage despite having trouble getting one in the past.
3 years ago
Michael
Great response and very friendly service. Very helpful.
3 years ago
Jacqueline
My experience with this company has been great and I highly recommend them. From the initial stages through to getting the offer, everyone I spoke with was informative, professional and friendly. Tom and Jonathan really helped with the initial...
4 years ago
Sunna
I have spoke to Arron today, I have received excellent customer service. He listened me carefully and answered all my questions promptly!! Good adviser.
4 years ago
Lydia
Amazing! UK moneyman were there every step of the way. Making sure I understood everything and taking the stress out of buying your first house. They were very responsive to emails, calls and gave excellent customer service. 10/10 could not fault...
4 years ago
Kevin
All staff, very efficient,communication excellent and found us a great deal on our mortgage as my credit rating wasn’t great.Thankyou very much Leo and Newcastle moneyman.
5 years ago
david
Being self employed it was hard to get a mortgage!but thanks to Newcastle money man I’ve got one !!!thanks again would definitely recommend them!👍
5 years ago
Harley
Professional service from start to finish. Very helpful with all of the questions I was throwing at them also. Would recommend 100% and we feel we for the prefect product mortgage for us. Thank you guys!
6 years ago
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Newcastlemoneyman.com & Newcastlemoneyman 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.
© Newcastlemoneyman 2025.
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Newcastlemoneyman.com & Newcastlemoneyman 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.
© Newcastlemoneyman 2025.
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