Free mortgage calculator

Buy-to-let calculator

Check the rental yield and whether the rent passes a lender stress test.

Built and checked by the advisers at Spolton Mortgages, former bank managers who are CeMAP qualified and FCA registered.

700
Five-star reviews
257
on Google
443
on VouchedFor
Top Rated
VouchedFor 2019–2026
Local
Family-run since 2017
FCA
Registered · No. 993383

Lenders assess buy-to-let on rental cover rather than your income. We compare landlord lenders across the market.

Buy-to-Let Mortgages

How lenders assess buy-to-let

Buy-to-let lending is based mainly on the rent, not your salary. Lenders apply an interest coverage ratio (ICR), commonly 125% for basic-rate taxpayers and 145% for higher-rate, stress-tested at a notional rate of around 5.5%. This calculator shows the maximum loan the rent supports and your gross yield.

Criteria vary widely between landlord lenders, and the right one depends on your tax position, portfolio and the property. As a whole-of-market broker we find the lender that fits.

Your property may be repossessed if you do not keep up repayments on your mortgage. Not all buy-to-let mortgages are regulated by the Financial Conduct Authority.

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Mortgage repayment calculatorSee estimated monthly payments, interest and total cost.Mortgage affordability calculatorGet a guide to how much you could borrow.Mortgage deposit calculatorWork out your deposit, loan and loan to value.Mortgage deposit saving calculatorSee how long it could take to save your deposit.Stamp duty calculatorEstimate the stamp duty (SDLT) on your purchase.Total cost of buying a house calculatorBudget the full cash cost of buying a home.

View all mortgage calculators →

What clients say

700 verified reviews, rated 5.0

257 reviews on Google and 443 on VouchedFor for 4 advisers, all independently verified. A 5.0 average across both.

5.0 average · Google & VouchedFor
VouchedFor

To buy my first house. He helped in every step, from looking for a mortgage all the way until I had the keys in my hand, he was there even if I had questions afterwards. Absolutely, could not have had a better outcome.

Verified client in Lincolnshire
Review of Nick Spolton
700
Five-star reviews
257
on Google
443
on VouchedFor
5.0★
Average rating

Read all 700 reviews

From first chat to front-door key

Let’s make your move simple

Free, no-obligation consultation. We listen, compare the whole market, and hand you a clear plan, no jargon.

01529 300500
Free until your offer is approved No jargon, no pressure Whole-of-market advice

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

Call us

01529 300500

Email us

info@spolton.mortgage

Visit or get directions

6, Mill House, Carre Street,
Sleaford, Lincolnshire NG34 7TW

Opening hours

Monday
9:00am – 5:00pm
Tuesday
9:00am – 5:00pm
Wednesday
9:00am – 5:00pm
Thursday
9:00am – 5:00pm
Friday
9:00am – 5:00pm
Saturday
10:00am – 1:00pm
Sunday
Closed

A family-run, whole-of-market mortgage and protection adviser based in Sleaford, Lincolnshire. Founded in 2017 by former bank managers Nick and Kasia Spolton, we serve clients across Lincolnshire and the UK with clear, jargon-free advice by phone, video or in person. Rated 5 stars with 700+ verified reviews across Google and VouchedFor.

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Mortgages

Protection

Company

Accessibility

  • Wheelchair-accessible car park
  • Wheelchair-accessible entrance
  • Wheelchair-accessible seating
  • Wheelchair-accessible toilet

Parking

  • Paid and free parking available

Service options

  • Online appointments
  • On-site services

Regulatory status

FCA Registered · No. 993383 Appointed Representative of Stonebridge Mortgage Solutions Ltd Companies House · 10903440 Est. 2017

View our entry on the FCA Register

Mortgage lenders

Aldermore TSB NatWest Barclays Skipton West Brom + whole of market

Protection partners

Aviva Legal & General LV= Royal London Vitality + more

Important information

Our service is free until you receive a fully approved mortgage offer. There may then be a charge which, depending on your circumstances, will typically be £299, payable upon receipt of an approved mortgage offer. Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

Our fee is discounted to £199 for Armed Forces and Blue Light Card holders.

For remortgages, if best advice is to switch rates with your existing lender then we charge no fee at all.

  • Your home/property may be repossessed if you do not keep up repayments on your mortgage.
  • You may have to pay an early repayment charge to your existing lender if you remortgage.
  • As with all insurance policies, conditions and exclusions will apply.
  • Not all Buy to Let Mortgages are regulated by the Financial Conduct Authority.
  • Equity release is arranged by introduction only.

Spolton Mortgages is a trading style of Spolton Ltd, which is an Appointed Representative of Stonebridge Mortgage Solutions Ltd, which is authorised and regulated by the Financial Conduct Authority. FCA Number 993383.

Founded and incorporated on 7 August 2017. Spolton Mortgages is a trading name of Spolton Ltd (FCA Number 993383). Registered Company Number: 10903440 (view on Companies House). Registered in England and Wales.

Registered Office: Spolton Ltd, Spolton Mortgages, 6 Mill House, Carre Street, Sleaford, Lincolnshire NG34 7TW.

Financial Conduct Authority FCA Register
Firm 993383 Information Commissioner’s Office ICO Registered
ZA391497

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