UK Buy-to-Let Mortgage & Deposit Calculator (2026/27)

Compare UK Buy-to-Let monthly interest-only payments against capital repayment schedules at 75% LTV (25% landlord deposit).

Buy-to-Let Property Price (25% Deposit) 75% LTV Loan Monthly Interest-Only (at 4.75%)
£200,000 BTL Property (£50k Deposit) £150,000 Loan £593.75 / month
£300,000 BTL Property (£75k Deposit) £225,000 Loan £890.63 / month
£400,000 BTL Property (£100k Deposit) £300,000 Loan £1,187.50 / month

Frequently Asked Questions (2026/27 & 2027/28 UK Rules)

What deposit is needed for a UK Buy-to-Let mortgage?

Most UK Buy-to-Let lenders require a minimum 25% deposit (75% LTV) alongside passing the 125% or 145% Interest Coverage Ratio (ICR) rental stress test.

Authoritative UK Calculators & 2027/28 Early Access