Buy to Let Mortgage Calculator - Find a BTL Mortgage | moneyfacts.co.uk

Buy to Let Mortgage Search

  - Search & compare buy-to-let mortgages with our easy to use comparison tool
  • £
  • £ 60% LTV
  • yrs

Searching all 1969 buy to let mortgages, the following best match your search criteria and are displayed in order of lowest initial rate.

Your Buy to Let Search

Compare
Up to 3 products
side by side
Rate APRC Mortgage Type Product Fees Initial Monthly Payment Apply Today

1.37% reverting to 4.99% 4.5% Fixed to 01/09/2020 £1,995 £590.79 Details...
Go to Site

1.38% reverting to 4.99% 4.5% Fixed to 31/07/2020 £1,495 £591.48 Details...
Go to Site

1.44% reverting to 4.99% 4.5% Fixed to 01/09/2020 £1,995 £595.69 Details...
Go to Site

1.49% reverting to 5% 4.6% Variable to 2 Years £1,999 £599.20 Details...
Speak to an Adviser

1.49% reverting to 4.99% 4.5% Fixed to 31/07/2020 £1,495 £599.20 Details...
Go to Site

1.52% reverting to 4.99% 4.5% Fixed to 01/09/2020 £995 £601.32 Details...
Go to Site

1.54% reverting to 4.49% 4.1% Fixed to 31/07/2020 £1,495 £602.73 Details...
Speak to an Adviser

1.54% reverting to 4.99% 5.1% Fixed to 31/07/2020 £1,999 £602.73 Details...
Speak to an Adviser

1.54% reverting to 5% 4.5% Fixed to 31/08/2020 £1,999 £602.73 Details...
Speak to an Adviser

1.55% reverting to 4.99% 4.6% Fixed to 31/07/2020 £1,950 £603.43 Details...
Speak to an Adviser

1.55% reverting to 4.9% 4.5% Discounted Variable to 30/06/2020 £895 £603.43 Details...
Speak to an Adviser

1.59% reverting to 4.99% 4.5% Fixed to 01/09/2020 £995 £606.27 Details...
Go to Site

1.60% reverting to 4.99% 4.5% Fixed to 31/07/2020 £1,500 £606.98 Details...
Speak to an Adviser

1.60% reverting to 4.9% 4.5% Discounted Variable to 30/06/2020 £895 £606.98 Details...
Speak to an Adviser

1.63% reverting to 4.99% 4.5% Fixed to 31/07/2020 £995 £609.11 Details...
Go to Site
Now showing 1 to 15 of 1104 results

Most Buy-To-Let mortgages are not regulated by the Financial Conduct Authority (FCA). Whether a Buy-To-Let mortgage is regulated depends on your personal circumstances. The above information assumes that FCA regulation does not apply to the mortgage products shown.


Disclaimer:

YOUR BUY-TO-LET PROPERTY MAY BE REPOSSESSED IF YOU FAIL TO KEEP UP REPAYMENTS ON ANY MORTGAGE SECURED ON IT. Written quotations are available from individual lenders. Loans are subject to status and valuation and are not available to persons under the age of 18. All rates are subject to change without notice. Please check all rates and terms with your lender or financial adviser before undertaking any borrowing.

 

On this page:

  1. How to use our buy-to-let calculator
  2. What does 'Speak to an adviser' mean?

How to use our buy-to-let calculator

The above search tool allows you to sort through the many available buy-to-let (BTL) mortgages by putting in the criteria that are relevant to you, leaving only those mortgages that fit your requirements. This should make it much easier for you to compare mortgages, made ever easier by the table's clear repayment and rate information.

All you have to do is put in the value of the property that you're looking to buy for the purposes of renting it out, then subtract your deposit to get the required mortgage. Your loan-to-value (LTV) will be automatically calculated. Feel free to adjust the term of the mortgage to see how that affects the rates you are offered.

If you'd like to reduce the mortgage on the buy-to-let property over time, you'll want a repayment mortgage. If you're planning to sell the property at a later date and are not too bothered about being able to lower the loan-to-value for remortgaging purposes, an interest-only mortgage might be your preferred repayment option.

Other choices, such as the mortgage type and initial period, will depend on your attitude to risk. If you want to be sure of your repayments, pick a fixed rate. If you're open to some risks, pick a capped mortgage so the rate won't be able to go above a certain upper limit. A tracker mortgage follows the movements of another rate, usually the Bank of England base rate, while a variable mortgage can change rates at any time. Generally, variable rate mortgages have lower rates than fixed deals precisely because they might go up as well as down.

After the initial period ends, your mortgage interest rate will revert to your lender's Standard Variable Rate (unless you choose to remortgage). So, if you want to keep repayment security for as long as possible, pick the longest initial period. Once you've put all your preferences in the buy-to-let mortgage calculator and pressed Update Results, you should hopefully have at least a few mortgages to choose from.

It's easy to see what your initial rate will be, with the table sorted on rate by default. By clicking on APRC or Product Fees, for example, you'll be able to sort the table based on what matters most to you. Then, if you want to know a bit more about the product, you can click 'Details', or if you're happy to go to the next step, click the big green button.

What does 'Speak to an adviser' mean?

While some of the green buttons above will send you straight to the lender (when they say Go to Site), a lot of them will simply say Speak to an Adviser. Clicking on this will send you through to a page that gives you the option to talk to our preferred mortgage broker, Premier Financial Group. You could of course still find these BTL deals by going straight to the provider's website, but there are a few advantages to talking to an adviser.

First and foremost, they're the experts. They will look at your personal circumstances and what you can afford, and try to make sure you don't take out a mortgage that may later become impossible to pay. Additionally, our broker partner looks at the whole of the market, including potentially some deals which aren't available to everyone and therefore not found by our BTL mortgage calculator. Their expertise, combined with their wide view of the market, means that you'll likely be able to get a better deal by going through an adviser.

In exchange for their expertise, they will charge a fee, which might put some people off. While it's important to understand what kind of fee they charge before you agree to anything, this is no reason to shun advisers completely. Not only are our broker partners directly authorised by the FCA, but they are professionally qualified, so you'll certainly get your money's worth of advice and help. Remember that a mortgage broker works for you to get the best deal.

What next?

Have a look at our buy-to-let guides

Consider the best buy-to-let mortgage deals

Read our guide on why to use a mortgage broker

Contact our broker partner or request a call-back by clicking here

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