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Buy to Let
mortgage calculator

Mortgage calculators

Buy to Let mortgages have different eligibility and affordability requirements to standard mortgages. In addition to general affordability stress testing, lenders also stress test Buy to Let mortgages based on the expected rent.

Use this Buy to Let mortgage calculator to work out

  • How much you could potentially borrow based on the expected monthly rent paid by the tenant.
  • The minimum monthly rent you need to potentially secure a Buy to Let mortgage amount.

How much can I borrow?

Mortgage calculator

Lenders normally only lend up to 75% of the property value, may apply a different rental stress test calculation based on your income level and other criteria. With this in mind, you will benefit greatly from talking to one of our expert mortgage advisors about your Buy to Let plans.

How much rent do I need?

Mortgage calculator

This Buy To Let mortgage calculator is aimed at giving you an idea of how much rental income would be required to borrow a certain Buy to Let mortgage amount. However, as lenders use different mortgage stress testing figures for calculation purposes, the actual required rent amount will likely fall between the figures displayed.

Why choose us

Why Choose Us

Whole of market

We offer independent mortgage advice across the whole market – not just what you can find on the high street.

  • Access to over 130 lenders
  • Choice of over 20,000 deals

All this means we’ll always guarantee to find you the best Buy to Let mortgage deal available.

Always available

We work around your busy life to make getting a mortgage as easy as possible.

  • Contact us in the way you prefer: phone, email, Whatsapp, or face-to-face.

You don’t need to faff with the Post Office queue either:

  • Upload all your documents using our 24/7 online upload tool.

We do the hard work

Without a broker, you’ll miss out on exclusive deals you can’t find on the high street.

We’re experts on lender criteria:

  • We’ll research and recommend only the most suitable options for you.
  • We’ll also complete all the paperwork for you, to make sure your mortgage application is successful.

Independent mortgage brokers serving the entire UK

We don’t think you should waste time filling out forms that aren’t relevant to your mortgage needs.

That’s why we like to speak to you first and build a personal relationship, so you can remain assured you’re getting the best service.

Get personalised mortgage advice today

0208 835 7036





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    Only looking at high street offers restricts how much you could borrow (and often means a more expensive mortgage, too).

    We have whole of market access to mortgage deals with over 130 lenders. That’s over 20,000 mortgage deals to choose from!

    Take a look with our mortgage finder tool to see some of the mortgage deals you could qualify for if you use our independent mortgage broker service.

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    I would highly recommend the services of BlueWing Financials and would especially like to thank Lilla and Alexandra, our case handles.

    I was in the process of purchasing my first...
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    I used BlueWing Financials to complete my house purchase recently and was incredibly pleased with one's service received. Everything ran smoothly and was explained clearly for me to understand. Lilla... read more

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    I started dealing with BlueWing Financials in 2019 when I started looking for property deals and arranging for mortgage. Lilla was really helpful when I first got in touch and... read more

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    Outstanding! Patient, detailed advice and really helpful. Nick went above and beyond through a challenging process and was always reassuring. Thank you!

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    I highly recommend Lilla, Alex and the team, they've been extremely helpful with my mortgage process

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    04/06/2019

    Thanks to Lilla, the process of buying our flat had been way easier than we expected and feared. She was super supportive and always ready to go the extra mile,... read more

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    24/05/2019

    I am extremely happy with service, I received. Lilla is very helpful and thoughtful. She explained everything to me thoroughly, when I struggled with the legal terms. She is very... read more

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    Very helpful and have provided me with 2 mortgages to date.

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    14/01/2019

    I have worked with Lilla for many years and confidently refer her to other people in my network for her services. A true expert in her field, I've found that... read more

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    I was first recommended to Lilla from my sister in law who had used her previously. I can’t thank her enough for putting her through to me.
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    Sophie Habibis
    15/12/2018

    I have been working with Lilla @ Bluewing Financials for 5 years now and cannot recommend her highly enough. Lilla has supported me in buying two properties and with various... read more

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    08/10/2018

    Very friendly and professional service. They answered all questions I had very quickly and talked me through the entire process. Fully recommend and will use for any future purchases.

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    30/06/2020

    Thank you lilla, you managed not one but two mortgages. Even though these pandemic times. Highly recommend.

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    19/06/2020

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    Zsebo Greg
    02/03/2020

    Nicholas H went above and beyond for us, great communication, nothing was too much....Highly recommend! Thanks again bluewing for helping us to buy our first home!

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    Here are some of the big – and small – mortgage lenders, and specialist mortgage providers, we work with to find you the best personalised deal.

    Get in touch

    Work with us how you choose: email, phone, Whatsapp, or face-to-face meetings. It’s up to you!

    Your personal mortgage broker will explain clearly the mortgage process and from a few questions about yourself, advise you on your options.

    Let us apply for you

    Your personal broker will structure your application the right way that guarantees you the best buy to let mortgage deal.

    One simple questionnaire is all it takes for us to complete your paperwork for you.

    Get the mortgage

    Your advisor handles the entire application process. Liaising with your lender, solicitor and estate agent to make sure your mortgage application progresses smoothly.

    All you need to do is accept the mortgage offer and celebrate!

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