2026/27Landlord Calculator
Buy-to-Let Mortgage Calculator
Calculate your BTL mortgage payments, rental yield, and check if you pass lender stress tests with current interest coverage ratio requirements.
Property & Mortgage Details
BTL typically requires 25% minimum deposit
Monthly Summary
Monthly Payment
£1,031
Net Cashflow
£469
Loan Amount£225,000
LTV75.0%
Gross Yield6.00%
Annual Net Cashflow£5,625
Lender Stress Test
Interest Coverage Ratio (ICR)145%
Stressed ICR (at 5.5%)107%
Most lenders require ICR of 125-145% at a stressed rate of 5.5% or higher. Your property may not meet typical lender requirements.
BTL Mortgage Tips
Most BTL mortgages require a minimum 25% deposit (75% LTV).
Interest-only is common for BTL as it maximizes cashflow, but you need a repayment plan.
Rental income typically needs to cover 125-145% of the mortgage payment.