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Which? Mortgage Advisers are unfortunately unable to accept any new customers. We apologise for any inconvenience.
Existing customers can still contact us on 01174 566027
Mortgage calculators

Buy-to-let mortgage calculator

Enter the expected rental income and (if you have it) the property value into the buy to let mortgage calculator below to get a rough idea of how much you could borrow.

To find out how much you can borrow, fill in your estimated rental income and property value below.

* required field

Calculate

To find out what mortgages are available to you and exactly what your monthly payments would be speak to one of our advisers by calling the number below.

0292 267 0274

Lines are open:

  • Monday - Friday
  • Saturday - Sunday
  • Public Holidays
  • 9am - 5pm
  • Closed
  • Closed

Remember, this is only an estimate. Banks and building societies will take into account a number of different factors when calculating how much they will lend you so the actual amount you can borrow may vary considerably. Typically, they are unlikely to lend more than 75% of the overall property value and will want to see evidence that your expected rental income will cover your mortgage interest payments by at least 125%. However, you may be able to borrow more if you have other properties or collateral.

This information does not contain all of the details you need to choose a mortgage. Make sure that you read the separate key facts illustration before you make a decision and proceed with a mortgage.

 

Bear in mind that online calculators give a one size fits all estimate, but our impartial advisers can give you a much more accurate figure to work with.

What you pay to use Which? Mortgage Advisers

You pay £499* in two instalments:

Instalment 1: £299* when you submit your mortgage application

Instalment 2: £200* once your mortgage application has been processed and completed (or £100 if you’re a full Which? member**)

*These amounts are subject to change and charges apply to each mortgage contract you enter into through us. Once you’ve spoken to an adviser and provided details of your specific requirements, we confirm the exact fee to be paid and when it will be collected. On all mortgage applications, we receive a commission fee from the lender on completion. This is separate from our administration fee and is an additional fee we receive.

**To pay £100 you must be a full Which? member when you first contact us. This doesn’t apply to temporary or trial Which? members.

If you’re unhappy with any aspect of the Which? Mortgage Advisers service, please see the full details of how to register a complaint.

Which? Mortgage Advisers is a trading name of Which? Financial Services Limited. Registered Office: 2 Marylebone Road, London NW1 4DF. Registered in England and Wales No. 7239342. Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority – registration No.527029. Telephone calls may be recorded and/or monitored.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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