Buy to Let Mortgage Repayment Calculator 2026
Quickly and securely calculate your monthly Buy to Let mortgage repayments for 2026. This trusted calculator helps landlords plan their mortgage costs with confidence—select your country for accurate results.
Enter details and click calculate to see your results and amortization schedule.
2026 Buy to Let Investment Examples
Typical UK BTL Scenario
Property Value: £250,000
Deposit: 25% (£62,500)
Interest Rate: 5.0%
Estimated Monthly: £1,096
USA Rental Strategy
Property Value: $400,000
Deposit: 20% ($80,000)
Interest Rate: 6.2%
Estimated Monthly: $1,960
Maximize Your Rental Profits!
Don’t let hidden costs eat your ROI. Discover 2026’s most effective tax-saving strategies and rental management tips in our expert investment series.
Explore Investment SecretsBTL Mortgage: Expert Insights
Minimum deposit for a BTL property in 2026?
Typically 20-25% deposit is required. Higher equity often unlocks better interest rates.
What is a Mortgage Stress Test?
Lenders calculate if your rental income can cover repayments at an hypothetical rate of 7% or 8%.
Can rental income qualify me for a loan?
Yes, lenders use the Interest Cover Ratio (ICR) to see if rent exceeds mortgage costs by 125%+.
Interest-Only vs Capital Repayment?
Interest-only offers more monthly cash flow, while capital repayment builds actual equity in the property.
