Buy To Let Mortgage Calculator
Calculate your monthly mortgage payments, rental yield, and cash flow for a buy-to-let property investment.
Published by:
isCalculator Editorial Team
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How to use this tool?
Step 1: Enter Property Details
- Property Price ($): The total purchase price of the property.
- Deposit ($): Your down payment. Must be less than the property price.
Step 2: Set Mortgage Terms
- Interest Rate (% p.a.): Annual interest rate (e.g., 4.5 for 4.5%).
- Mortgage Term (years): Loan duration (1–40 years).
Step 3: Add Rental Income & Costs
- Monthly Rent ($): Expected rent from tenants.
- Other Monthly Costs ($): Expenses like insurance, maintenance, or management fees.
Step 4: Click "Calculate"
The calculator will show:
- Loan Amount: Property price minus deposit.
- Monthly Mortgage Payment: Standard amortization formula.
- Gross Rental Yield: (Annual rent ÷ Property price) × 100%.
- Net Monthly Cash Flow: Rent minus mortgage payment and other costs.
- Annual ROI: (Annual cash flow ÷ Deposit) × 100%.
Tip: All inputs must be positive numbers. Deposit cannot equal or exceed the property price.
Previous Results
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Frequently Asked Questions
A buy-to-let mortgage is a loan specifically for purchasing a property to rent out. It typically requires a larger deposit and has different interest rates compared to a residential mortgage.
Gross rental yield is calculated by dividing the annual rental income by the property price and multiplying by 100. It gives a percentage return before costs.
Cash flow is the difference between the rental income and all expenses (mortgage payment, maintenance, insurance, etc.). Positive cash flow means profit, negative means loss.
