Free tools for UK landlords
No sign up, no sales calls, just the maths. Each tool is built to the same standards lenders and brokers actually use, so the numbers you get are the numbers that matter when you apply.
Each tool covers a different stage of checking a deal, from what you can borrow through to the real return.
Results update as you type. No submit button and no waiting, the maths runs in your browser.
Each result shows its working so you can see how it adds up. It is a guide to take to a broker, not a quote, as every lender sets its own criteria.
The number tools, for working out a deal from every angle. See all calculators →
See the maximum buy to let mortgage you could borrow, based on the rent and the lender's interest cover ratio and stress rate. If a loan fails the test, it also tells you the rent you would need to make it work.
Open the affordability calculator →Looking at a property? Enter the loan you want and see the monthly rent a lender would need to see, at the interest cover ratio that fits your situation, with the figure at 125%, 145% and 165% side by side.
Open the rent calculator →Work out the full stamp duty bill on a buy to let or second property across England and Northern Ireland (SDLT), Scotland (LBTT) and Wales (LTT), including the additional property surcharge, with the band by band breakdown.
Open the stamp duty calculator →See the real return on a rental after every cost, not just the rent minus the mortgage. Cash invested, monthly cash flow, and annual return on your money.
Open the profit and ROI calculator →Compare two or three mortgage products side by side on true total cost, including product fees, valuation costs and cashback, so you can see which is actually cheapest rather than which has the lowest rate.
Open the mortgage comparison →Weighing up leaving a deal early, for a better rate or to release equity? See whether the saving beats the early repayment charge, with your new monthly payment, the total cost to switch and the break-even point in months.
Open the remortgage calculator →Tools and guides that go beyond the numbers. More being added over time. See all resources →
Tap through this checklist while you view a buy to let. It flags the things that worry mortgage lenders, hit the value, or make a property harder to resell, from short leases to spray foam, so you can decide whether it is worth an offer. Save your answers as a PDF.
Open the checker →A guided tool that weighs your tax position, plans and priorities to show whether a buy to let leans towards a limited company or your personal name, plus what to weigh before moving an existing property in. Information, not advice.
Open the tool →Add all your buy to let properties to see stress, interest cover, loan to value and yield across the whole portfolio, with quiet flags for high LTV and postcode exposure. Download it as a PDF or Excel schedule to keep or hand to a broker. Your details stay in your browser.
Open the portfolio analyser →A structured checklist that captures the details a lender will ask for, flags criteria issues early, and produces a PDF you can take to a broker. Your answers stay in your browser and are never sent to us.
Open the fact find →Indicative rates by lender tier, high street, mid range and specialist, with the true cost worked out once you add the product fee. Enter a loan amount to compare. A guide to the market, not a quote.
Compare the rates →A plain English guide to the common pitfalls that catch landlords out, from negative equity and the remortgage trap to interest only repayment gaps, hidden costs, tax and the changing rules, with the tools to check whether they apply to you.
Read the guide →Important: BTL Insight provides information and tools, not financial advice. The results are estimates to help you understand your options. They do not account for your full circumstances and are not a recommendation. Always confirm the figures with a qualified mortgage adviser and the lender before you make a decision.