Calculators
Each one is built to the same standards lenders and brokers actually use, so the figures you get are the figures that matter when you apply. Results update as you type, with the working shown. No sign up, nothing stored on a server.
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 →Selling a buy to let? Estimate the capital gains tax you'll owe, with the £3,000 allowance, your allowable costs and the 18% and 24% rates worked out against your income band.
Open the capital gains tax 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 →Work out the net loan, costs and fees on a bridging facility, and understand the gap between the gross and net loan amount.
Open the bridging calculator →Compare the net monthly income from letting the same property as a standard buy to let, an HMO, or a holiday let, after costs and the mortgage.
Open the letting strategy comparison →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.