Buy-to-Let (BTL) Mortgage Calculator (Dec 2021)

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The Buy-to-Let Calculator Explained

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 estate market prices are on a high in Dec 2021. 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 in Dec 2021, 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 available in Dec 2021, 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.

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?

Editorial Note: This content has been independently collected by the SovereignBoss advisor team and is offered on a non-advised basis. Sovereignboss may earn a commission on sales made from partner links on this page, but that doesn’t affect our editors’ opinions or evaluations.

Contributors: Nicola Date, Katherine Read
Reviewed by Francis Hui

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Rachel Wait
Personal Finance Journalist

Rachel is an experienced finance journalist and editor with a particular interest in personal finance and consumer affairs. She has vast experience writing about money issues, property, insurance, and consumer affairs, and you’ll find her articles regularly featured in top media and newspaper publications.
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Written by
John Lawson
Founder SovereignBoss

John is passionate about education and has made it his life-long mission to assist UK citizens on their future financial options, with a specialist interest in equity release, and SovereignBoss is the natural extension of this passion.
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Reviewed by
Francis Hui
Senior Risk Manager

Having held various high-level roles across the industry, Francis is truly an expert in aiding UK citizens in their financial decisions and risk analysis. His unique insight and statistical knowledge make him the perfect person to help you take your financial future to the next level.
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Katherine Read
Consumer Affairs Writer

Since joining the editorial team at SovereignBoss, Katherine has become focused on bringing transparency to finances and opportunities for those approaching retirement age. She writes on the topics of equity release, home reversion, and mortgages.
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Nicola Date
Writer & Journalist

Nicola is a financial writer for SovereignBoss and is passionate about the opportunities that equity release can open up for homeowners. Her extensive business experience and deep understanding of the industry means that she’s always up-to-date with the latest developments.

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