Landlord Mortgage Calculator
Calculate buy-to-let mortgage payments, rental yields, and investment returns. Estimate monthly payments, interest costs, and profitability for rental properties.
Step 1: Property Details
Buy-to-Let Mortgage Info
Most buy-to-let mortgages require a minimum 20-25% deposit. Interest rates are typically higher than residential mortgages. Lenders usually require rental income to cover 125-145% of mortgage payments.
Step 2: Rental & Expenses
Landlord Expenses
Typical expenses include: property management (8-12% of rent), maintenance (5-10% of rent), insurance, ground rent, service charges, and agent fees. Always budget for void periods.
Mortgage & Investment Analysis
Monthly Cash Flow
Monthly Cash Flow Breakdown
| Item | Amount | Percentage | Notes |
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Mortgage Amortization Schedule (First 5 Years)
Mortgage Calculation Formula
M = P [ i(1 + i)^n ] / [ (1 + i)^n – 1 ]
M = Monthly payment; P = Principal loan amount; i = Monthly interest rate; n = Number of payments (loan term in months). This formula calculates the fixed monthly payment for a fully amortizing mortgage.
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