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John Lawson
John Lawson

Life after retirement can be quite challenging, especially if you don’t have enough income to supplement your pension or maintain your lifestyle. By taking out a buy-to-let mortgage plan, you can easily purchase an estate and start living the life you’ve always wanted to live. 

If you’ve always been looking forward to going to the Bahamas, the lifetime mortgage scheme can help you do so and so much more.

The Buy-to-Let Calculator Explained

The estate market prices are on a high. Therefore, more than 60% of retirees are looking to invest in the real estate market. Since it’s hard to acquire estates with your pension income or regular incomes, most retirees, those eligible for the equity release plans are opting to take out the buy-to-let mortgage.

The buy-to-let mortgage is a lifetime mortgage option that specifically designed for landlords and investors who are interested in owning a stake in rental properties. It allows you to develop your buy-to-let (BTL property portfolios, which, in turn, can ultimately benefit your tax and retirement planning.

Instead of selling your current buy-to-let estate to raise some surplus funds for retirement, thus possibly incurring capital gains tax, landlord and real estate investors are progressively using equity release2 to help attenuate their tax position.

When you take a tax-free lump sum from your BTL estate investment, the rental income is unaffected, and you can use the capital to invest in more estates or to upgrade your lifestyle.  To figure out the amount you qualify for with the buy-to-let mortgage, you have to use the buy-to-let calculators.

 With that, here’s a comprehensive guide to the buy-to-let lifetime mortgage calculator.

How to Use the Buy-to-Let Calculator

For you to get an idea of the maximum amount you can borrow with the but-to-let estate release, you can use the BTL mortgage calculator and simply input:

You have to input this information since it’s the criterion that equity release plan providers use when they’re figuring out how much capital you can borrow.

Unlike other forms of residential mortgages, with the buy-to-let mortgage, you don’t have to input your current rental income since plan providers don’t consider that when they’re deciding how much they will lend you.

Our Most Commonly Asked Questions

A buy to let mortgage could be a great way to help you enjoy your later life to the full.

By borrowing a tax-exempt lump sum1 
you could be able to fund home renovations, help younger family members get on the property ladder2 
, or simply keep your lifestyle in retirement.

How much you can borrow depends on a number of factors, how old are you, the type of property you own, and its value.

Use our calculator to find out how much you could get.

Discover downsize or equity release

When comparing the buy to let mortgage market, a specialist adviser will explain:

  • You have to get experts advice before getting any policy .
  • Check for policies that have a no equity guarantee, so you’ll never owe more than your home’s value.
  • It reduces the value of your estate.
  • The initial consultation is chargeless with no obligation.
  • The most known form is a lifetime mortgage, which is a loan secured against your home. Note that you will still own your home.

A Buy To Let Mortgage is a way of releasing the wealth (cash) tied up in your property without the need to move.

With buy to let mortgage products, if you are over 55 years old, you can either borrow against the value of your home or sell all or part of it for a regular monthly income, a lump sum, or a combination of these options.

Although there are many different schemes available, they can all be split into four categories.

Lifetime Mortgage Loan

You gain a lump sum from the value of your property, by taking out a mortgage3 
secured on your property (provided it’s your primary residence) whilst retaining 100% ownership of your home. This amount, plus any interest accrued, (you can opt to make repayments) is repaid from the sale of your property when you pass away or move into retirement term care.

Drawdown Mortgage

This4  works similar to the lifetime’s but with a regular cash reserve/draw down options allowing you to withdraw amounts at a frequency you pick up to a specified amount of years, or until the cash reserve has been used up.

Interest-Only Mortgage

You get a lump sum and pay a monthly interest on the loan, which can be fixed or variable, rather than allowing the interest to roll up. The amount you originally borrowed is normally repaid when your home is eventually sold.

Home Reversion Plan

Here, you sell some or all of your property to a home reversion5 

provider in exchange for a lump sum of money or regular payments, whilst keeping the right to stay residing in your home, uncharged rent, while you live, but you have to agree to preserve and insure it. At the end of the plan your property is sold and the sale proceeds are shared according to the remaining proportions of ownership.

You can use the money on almost anything you like. There are many reasons for releasing money from your home and here are a few of them.

Common Uses:

  • To supplement your pension income to cover living expenses
  • To settle a repayment mortgage or clear the balance on an interest-only mortgage
  • To improve your lifestyle
  • To see your family enjoy their inheritance while you’re still here
  • To carry out some home improvements
  • To take that holiday off
  • To help your children onto the property scale
  • To pay off other outstanding debt and lower your monthly outgoings.

This is not for everyone and it’s important that you fully consider your options and receive independent financial advice before making a decision. It’s also important that, if you do decide to use any of these product, you choose one that meets your needs.

Remember that taking a buy to let mortgage policy is generally a long term options. However, there are flexible ones available that may fit your varying needs and some will allow you to repay in the future without any penalties. A financial consultant can help you to choose the scheme that is right for you.

What’s A Buy-to-Let Mortgage Calculator?

Can You Get A Buy-to-Let Mortgage With 10% Deposit?

Buy-to-Let Calculator – How Much Can You Borrow?

What to Consider When Buying A Buy-to-Let Mortgage?

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