Buy-to-Let Property Calculator

Calculate the total cash needed to purchase a buy-to-let property in the UK, including stamp duty, conveyancing costs, and mortgage payment estimates.

Important Disclaimer: This calculator is for informational purposes only and should not be considered as financial advice. Property investments carry risks, and tax rules may change. Consult with a qualified financial advisor or accountant before making investment decisions.

Property Details

Most buy-to-let purchases are additional properties subject to higher stamp duty rates.
Buy-to-let mortgages typically require at least 25% deposit.
Many buy-to-let mortgages are interest-only.

About This Calculator

This calculator helps you estimate the total cash outlay needed to purchase a buy-to-let property in the UK, with options for both cash purchases and mortgage-based investments.

What's Included

  • Current UK Stamp Duty Land Tax rates (including the 5% surcharge for additional properties)
  • Estimated conveyancing costs based on property value
  • Survey costs
  • Mortgage calculations for both repayment and interest-only options
  • Estimated mortgage arrangement fees

Important Notes

  • Buy-to-let mortgages typically require a minimum 25% deposit, though some lenders may offer 15-20%
  • Interest rates for buy-to-let mortgages are generally higher than residential mortgages
  • Most buy-to-let investors opt for interest-only mortgages to maximize rental yield
  • The calculator doesn't include ongoing costs such as insurance, maintenance, management fees, or tax considerations