Semi-Commercial & Commercial Buy-to-Let Mortgage Calculator

Fill in your information in the relevant fields below to calculate an initial quote of the full loan and monthly interest you need to repay.

It is very easy and fast to use our interest-only buy-to-let mortgage calculator – just complete the following instructions:

1. Add the details on the property and applicant to find out the appropriate tier for you.
2. Add the estimated market value of the property
3. Add the rental income (if any).
4. Add the term of the mortgage that you would like to borrow the money for.
5. Add the total of money you would like to borrow in pounds or choose the maximum loan to decide how much we can lend.

These information will determine which product is suitable for you and the terms of the loans that you are eligible for.

The semi-commercial & commercial buy-to-let mortgage calculator will forecast the percentage of Loan-To-Value (LTV) you need to obtain and the net mortgage amount, which is the total sum you will receive, along with any lender’s fee.

The quote will also show you the monthly interest payments. This will give you an insight into how much you will either repay on a monthly basis or at the end of your term. You will also see the gross amount, which is the total sum you need to pay back, as well as the rates that apply to your mortgage.

It is important to note:

These values given by our interest-only semi-commercial & commercial BTL mortgage calculator are an estimate of what you might pay. The accurate cost of your mortgage will be based on the product you choose. Please get in contact with our team to talk about your situation, regardless of how unique and complex it might be.

• Deferred Interest: The percentage of the fixed-rate interest that you would like to delay paying until the end of the term. For example: if you defer 1% of interest, the fixed-rate reduces by 1% to create the pay rate, which will drive the monthly interest payment.
• Gross Loan Amount: This number shows the amount you will need to pay back. It is determined by adding the net loan amount, any fees and the interest. This figure will alter depending on the length of your term and if the interest is rolled up or paid on monthly basis.
• Monthly Interest Payment: This is the interest paid monthly. The amount will be based on how much you borrowed and the overall risk of providing the mortgage to you. The monthly interest can be paid back on a monthly basis or when the term ends.
• Monthly Rent: The amount (or predicted amount) that you will receive from the tenant of the property.
• Net Loan Amount: This number serves as the amount you will get and is to be paid back in full when your term comes to an end.
• Product Fee: This is a fixed rate added onto the loan for the reserving of funds and administration costs charged to the company.
• Rolled Up Interest: This is the sum of months you would like to delay paying interest. Example: If your term is 24 months and you wish to delay payment for six months, you won’t pay anything until the sixth month.
• Term: The total of months you will have the money for.
• Tier: The Tier is the product level that you are suitable for and will give you the standard rates applicable.