Buy-to-Let Mortgage Calculator

Estimate your costs, source live lender products and apply online — free to use.

Calculate your buy-to-let costs See the full journey

Live lender productsCalculate, source & applyBrokerage support included

Buy-to-let mortgage calculator UK Live lender-uploaded products Personal & SPV buy-to-let Specialist brokerage support Free to calculate & source

Work out what a buy-to-let mortgage could cost you — then find the deal to match. Enter your property value, deposit, interest rate and term to estimate monthly payments and borrowing.

DyneSourcer isn't a static rate table. Products are uploaded directly by lenders, so you source live, current deals. Shortlist what fits, apply online, and Dynamic Commercial Finance fact-finds and submits your case to the lender.

How the DyneSourcer buy-to-let calculator works

Enter a few basic details and the calculator estimates your costs instantly:

1
Property value and deposit
Sets your loan amount and loan-to-value (LTV).
2
Interest rate
Enter a rate to model, or use a live lender product as your reference.
3
Mortgage term
Typically 25–30 years for buy-to-let.
4
Repayment basis
Interest-only (common for landlords, keeping monthly costs down) or capital-and-interest.
5
Fees
Include arrangement and product fees to compare deals on true cost, not just the headline rate.

The figures are a guide, not a formal mortgage quote. Your final cost depends on the lender, the product and the rate available when you apply — but the calculator is the fastest way to sense-check a deal before you shortlist it.

Run your figures

17 BTL filters — real lender criteria

After you calculate, filter live lender-uploaded products by criteria that matter to your case.

LTV

EPC rating

Borrower type

BTL experience

Tenancy type

Taxpayer type (DSC)

Loan purpose

Day 1 remortgage

Explore related tools: invoice finance calculator, semi-commercial calculator.

From calculation to completed application — one platform

DyneSourcer takes you further than a standard calculator. Here's the full journey:

Estimate

Model your costs with the calculator.

Source

Browse BTL products uploaded directly by lenders — live and current.

Shortlist

Save the deals that fit your case, with no obligation to proceed.

Apply online

Submit your application through the platform when you're ready.

We handle the rest

Dynamic Commercial Finance fact-find and submit your case to the lender.

That means you get the speed and transparency of an online sourcing tool, backed by experienced brokers who package and place your application properly.

Source live buy-to-let products

What is a buy-to-let mortgage?

A buy-to-let (BTL) mortgage — sometimes called a landlord mortgage — is a loan for buying property you intend to rent out rather than live in. It works much like a residential mortgage, but with key differences: you'll usually need a bigger deposit, rates are typically a little higher, and how much you can borrow is based mainly on the property's expected rental income rather than your salary.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority (FCA), because they're treated as business lending. Some cases are regulated — for example, letting to a close family member or an "accidental landlord" scenario — so it's worth confirming which applies to you.

How much deposit do you need?

The headline figure is 25%, but the cash you actually need to complete is higher once you add the other upfront costs:

Deposit — usually 25% (best rates at 40%+ / lower LTV).
Stamp Duty — buy-to-let and additional properties attract a 5% SDLT surcharge on every band in England and Northern Ireland (Scotland and Wales have their own equivalents).
Fees — arrangement, valuation, legal and any broker fees.
A sensible reserve — for void periods, maintenance and unexpected costs.

A realistic all-in figure for a typical purchase is often closer to 35% of the property value once tax and fees are included. Use the calculator to model different deposit levels and see the impact on your monthly payments.

How much can you borrow? The rental stress test

Buy-to-let borrowing is driven by rental income, not just salary. Lenders apply a stress test: they check the rent comfortably covers the mortgage — typically 125% to 145% of the monthly interest — assessed at a higher notional rate so the deal still works if rates rise.

Because different lenders stress-test differently, the maximum you can borrow varies from product to product. Sourcing live, lender-uploaded products on DyneSourcer lets you see how those criteria play out across the market rather than guessing.

Check what you could borrow

Buy-to-let mortgage rates in 2026

Buy-to-let rates move with the wider market and the Bank of England base rate (currently 3.75%). In August 2026, competitive deals typically start from around 5.5% to 6% for lower-LTV borrowers, rising as your deposit shrinks or the case becomes more complex.

Your rate depends on your deposit/LTV, whether you fix or track, the deal length, the property and borrower profile (standard flats and houses price better than HMOs or unusual construction), and the fee structure. Because products are uploaded by lenders, the rates you source on the platform reflect what's genuinely available now.

Indicative rate ranges only — August 2026. Live lender-uploaded products are the source of truth.

Are you eligible?

Criteria vary between lenders, but most look for:

Minimum age

Usually 21+ (some set upper age limits at the end of the term).

Deposit

Typically 25%+ of the property value.

Rental cover

Expected rent that passes the lender's stress test (usually 125–145% of the interest).

Minimum income

Some lenders want around £25,000; portfolio and limited-company products can be more flexible.

Credit history

A clean record helps, but specialist lenders cater to more complex profiles.

Complex cases welcome

First-time landlords, portfolio landlords, SPV buyers and non-resident applicants — different lenders on the platform.

If your case is complex, Dynamic Commercial Finance can help place it with the right lender once you apply. Read our buy-to-let blogs & guides for deeper eligibility insight.

Buying through a limited company (SPV)

More landlords now buy through a limited company (a special purpose vehicle, or SPV), mainly for tax reasons. Since Section 24, individual landlords can no longer deduct mortgage interest from rental income before tax (you get a 20% tax credit instead), which hits higher-rate taxpayers hardest. Companies can still offset finance costs in full and pay corporation tax rather than income tax on profits.

It isn't automatically the right choice — there are extra costs and complexity, and moving existing property into a company can trigger stamp duty and capital gains tax. DyneSourcer lists both personal and limited-company buy-to-let products, so you can source and compare both routes.

This is general information, not tax advice — speak to a qualified accountant about your situation.

Source personal & SPV buy-to-let products

Buy-to-let remortgaging

Coming to the end of a fixed deal? Remortgaging can cut your rate, release equity for your next purchase, or move you onto a product that better suits your plans. Use the calculator to model the switch, then source live remortgage products and apply online — with Dynamic Commercial Finance handling the submission.

Model a buy-to-let remortgage

Why use DyneSourcer?

Products uploaded by lenders

Live, current deals sourced directly from the source, not stale third-party listings.

Calculate, source, shortlist and apply in one place

The full journey, not just a payment estimate.

Specialist brokerage support

Applications are fact-found and submitted by Dynamic Commercial Finance, so your case is packaged and placed properly.

Personal and limited-company products

Source both routes side by side.

Whole-of-market view

High-street lenders, specialist landlord lenders and complex-case products together.

Calculator suite

Part of our sourcing hub alongside invoice finance and semi-commercial calculators.

Get started — calculate and source now

Buy-to-let mortgage FAQs

Common questions about our buy-to-let mortgage calculator, sourcing platform and brokerage process.

How does the DyneSourcer calculator work?

Enter your property value, deposit, interest rate, term and fees, and it estimates your monthly payments and total interest. It's a guide to compare scenarios, not a formal mortgage quote.

What happens after I apply?

Your application is passed to Dynamic Commercial Finance, our specialist brokerage team, who complete a full fact-find and submit your case to the lender on your behalf.

Are the products real, current deals?

Yes — lenders upload their products directly to the platform, so you're sourcing from live, up-to-date deals rather than out-of-date listings.

How much deposit do I need for a buy-to-let mortgage?

Usually at least 25% of the property value, though some lenders accept 20% and, rarely, 15%. The best rates go to those putting down 40% or more.

How much can I borrow?

It's based mainly on expected rental income. Lenders typically want the rent to cover 125–145% of the monthly mortgage interest, tested at a higher notional rate. Use the calculator to estimate your figure.

Can I get a buy-to-let mortgage as a first-time landlord?

Yes. Some lenders prefer applicants with landlord experience, but specialist lenders work with first-time landlords — and the brokerage team can help place your case.

Are buy-to-let mortgages regulated?

Most aren't — they're treated as business lending and fall outside FCA regulation. Certain cases, such as letting to a family member, can be regulated. Confirm which applies to you.

Should I buy through a limited company?

It can be more tax-efficient for higher-rate taxpayers because companies can still deduct mortgage interest, but it adds cost and complexity. It's a decision to take with an accountant — the platform lists both routes.

How much stamp duty will I pay?

Buy-to-let and additional properties attract a 5% SDLT surcharge on top of standard rates in England and Northern Ireland, on every band, for purchases over £40,000. Scotland and Wales apply their own equivalents.

Calculate, source and apply — all in one place.

Estimate your buy-to-let costs, source live products uploaded by UK lenders, shortlist what fits and apply online. Our specialist brokerage, Dynamic Commercial Finance, handles the rest.

Calculate your buy-to-let costs BTL blogs & guides

Your property may be repossessed if you do not keep up repayments on your mortgage. Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Tax treatment depends on individual circumstances and may change — seek independent advice.

Dynesourcer Ltd is an IAR of Dynamic Commercial Finance Ltd. Products updated August 2026.