Buy-to-Let Mortgage Calculator
Calculate monthly mortgage payments and rental yield estimates for buy-to-let properties.
Buy-to-Let Mortgage Calculator – Estimate Payments & Rental Profitability Easily
Investing in rental property is one of the most reliable ways to build wealth, but understanding the financials is crucial before purchasing a house or apartment. A Buy-to-Let Mortgage Calculator simplifies that process by estimating your monthly mortgage payment, loan amount, and rental yield, helping you make informed decisions as a landlord or property investor.
Whether you're a first-time investor or an experienced property owner expanding your portfolio, this calculator provides clear insights into property affordability and profitability.
⭐ What Is a Buy-to-Let Mortgage?
A Buy-to-Let (BTL) mortgage is a loan specifically designed for buying properties that will be rented out to tenants. Unlike residential mortgages, BTL mortgages require:
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Higher deposit (typically 20–40%)
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Higher interest rates
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Rental income to meet certain lender thresholds
Understanding the numbers before applying is essential.
⭐ How the Buy-to-Let Mortgage Calculator Works
The calculator uses your property and mortgage details to compute:
✔ Loan Amount
✔ Monthly Mortgage Payment (EMI)
Using the standard amortization formula:
Where:
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P = loan amount
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R = monthly interest rate
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N = total months
✔ Annual Rent
✔ Gross Rental Yield
This gives investors a quick way to compare rental income with property value.
⭐ Inputs the Calculator Requires
To compute results, simply enter:
✔ Property Value (₹)
The market price of the home or apartment you plan to buy.
✔ Deposit Amount (₹)
Down payment you will contribute upfront.
✔ Annual Interest Rate (%)
The rate applied to your BTL mortgage.
✔ Mortgage Term (Years)
Typically 10–30 years.
✔ Expected Monthly Rent (₹)
Estimated rental income you expect to generate.
⭐ What the Calculator Shows You
After calculation, you will instantly get:
🔹 Loan amount
🔹 Monthly mortgage payment (EMI)
🔹 Total annual rent
🔹 Gross rental yield (%)
These numbers help determine if the investment is financially sustainable.
⭐ Why Buy-to-Let Investors Need This Calculator
This tool is essential for landlords and investors because it helps:
✔ Assess if the rental income covers the mortgage
✔ Compare different investment properties
✔ Estimate cash flow & rental profitability
✔ Plan long-term mortgage obligations
✔ Avoid negative cash flow situations
⭐ Example Calculation
Suppose:
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Property value = ₹50,00,000
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Deposit = ₹10,00,000
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Interest rate = 7.5%
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Term = 20 years
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Monthly rent = ₹25,000
Results:
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Loan amount: ₹40,00,000
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Monthly EMI: approx. ₹32,278
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Annual rent: ₹3,00,000
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Rental yield: 6%
This helps determine if rental income is sufficient compared to the mortgage cost.
⭐ Benefits of Using This Buy-to-Let Calculator
✨ Simple and intuitive interface
✨ Instant accurate calculations
✨ Helps landlords make smart investment decisions
✨ Useful for comparing multiple properties
✨ Saves time and avoids manual math
✨ Works on mobile and desktop
⭐ Conclusion: Plan Your Property Investment with Confidence
Our Buy-to-Let Mortgage Calculator is the perfect tool for landlords, investors, and property buyers deciding whether a rental property is financially viable. With instant calculations of monthly payments, rental yield, and loan amount, you can make smart investment choices backed by solid numbers.
Start analyzing your next rental investment today!