When you’re investing in a buy-to-let property, knowing your monthly payment is only part of the picture. Our Buy-to-Let Total to Pay Calculator shows you the full financial cost of the loan over your chosen term, factoring in your interest rate, type of mortgage (interest-only or repayment), and any lender fees.
Whether you’re purchasing a new investment or refinancing an existing one, this calculator helps you budget accurately, compare deals, and prepare with confidence.
Calculate the total you'll pay during your fixed rate mortgage term
This calculator shows the total cost during your fixed rate period only. Monthly payments are calculated based on the full mortgage term, but totals are for the fixed rate period.
| Component | Amount | Percentage |
|---|---|---|
| Principal Repayment | £8,456 | 26.3% |
| Interest Payments | £21,640 | 67.5% |
| Arrangement Fee | £1,995 | 6.2% |
| Total to Pay | £32,091 | 100% |
A: No, this calculator focuses on the loan side only. It doesn’t account for your deposit or Stamp Duty.
A: Yes, simply toggle between repayment and interest-only to see how the monthly and total costs differ.
A: Yes. Choose either a fixed product fee or a percentage (e.g. 2%) and decide whether it’s added to the loan or paid upfront.
A: No, it’s designed to calculate mortgage costs only. For a full investment breakdown, contact us for a personalised quote.
A: Landlords, investors, and property buyers looking to understand the full mortgage cost over time, whether buying through a limited company or personally.
Once you’ve crunched the numbers, our brokers can help secure the right deal with access to over 100 lenders, including those specialising in HMOs, Ltd Co BTLs, adverse credit, and portfolio landlords.
Let Mortgage Knight guide your next investment with clarity, speed, and expert support.
