Based on your results, you may wish to explore:
- Income Protection
Provides a regular monthly income if you’re unable to work.
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Finding the right buy-to-let mortgage is about more than securing a competitive rate. The structure of your mortgage — from interest type and fees to flexibility and long-term affordability — can have a direct impact on your rental returns.
At Prudell, we look beyond headline rates to understand your property investment strategy. We compare lenders across the market to help ensure your buy-to-let mortgage supports both your current objectives and future plans.
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Get a clear understanding of how buy-to-let affordability is assessed, based on rental income and lender criteria.
Explore mortgage options that align with your investment strategy and tax position.
Not sure which buy-to-let mortgage type is right for you? We’ll explain your options clearly.
We’ll search across the market to find a buy-to-let mortgage that works for you — not just the lowest rate.
We’ll manage the application process and handle the paperwork on your behalf.
Below are some common buy-to-let mortgage types you may want to consider when investing in rental property. Your Prudell adviser will explain how each option works and help you choose a mortgage that suits your circumstances, both now and over the long term.
The interest rate is fixed for a set period, helping landlords budget with certainty and protect against interest rate increases.
The rate moves in line with a benchmark such as the Bank of England base rate, meaning payments may rise or fall over time.
A mortgage where the interest rate can change at the lender’s discretion, offering flexibility but less payment certainty.
Monthly payments cover interest only, with the loan balance repaid at the end of the term using an agreed repayment strategy — commonly used by landlords.
While buy-to-let mortgages are based on rental income, personal circumstances can still affect your ability to maintain your investment over time. Insurance protection can play a role in helping safeguard buy-to-let commitments and long-term plans.
Your Prudell adviser will help you understand which protection options may be relevant to your situation, without recommending cover that isn’t appropriate.
Provides a tax-free lump sum if you’re diagnosed with a specified serious illness. This may help you maintain buy-to-let mortgage commitments or wider financial plans during a period of reduced income.
Provides a regular income if you’re unable to work due to illness or injury. While it doesn’t insure rental income, it can help support personal income that underpins your buy-to-let commitments.
Provides a lump-sum payout if you pass away. This can help reduce or repay outstanding buy-to-let borrowing and support estate or succession planning.
Get a clear understanding of how buy-to-let affordability is assessed, based on rental income and lender criteria.
Explore mortgage options that align with your investment strategy and tax position.
Not sure which buy-to-let mortgage type is right for you? We’ll explain your options clearly.
We’ll search across the market to find a buy-to-let mortgage that works for you — not just the lowest rate.
We’ll manage the application process and handle the paperwork on your behalf.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Understand the risks of major life events before retirement and the possible financial consequences if your income were affected. This assessment will provide guidance on the appropiate insurance protection to consider.
Likelihood
Likelihood
Likelihood
Likelihood
Based on your results, you may wish to explore:
Provides a regular monthly income if you’re unable to work.
These results are illustrative and based on general statistical data. They are not a quotation or personalised advice. Suitable cover and premiums will depend on your individual circumstances and insurer underwriting. Please speak to a Prudell adviser for tailored guidance.
Explore your options in protecting your mortgage commitment.
This is an indicative estimate only. Results are based on the details you provide and typical market assumptions. Availability, terms, and costs may vary following underwriting. This calculator does not provide advice. For a personalised, FCA-compliant review, speak to Prudell.
How much can you save with a mortgage refinance?
This is for capital + interest mortgages only.
This calculator provides estimates only and does not constitute a mortgage offer or financial advice. Figures are based on the information you provide and assumptions that may change. Your actual mortgage options, interest rate, fees, and savings may differ. Speaking to a Prudell adviser will allow us to assess your circumstances and provide personalised advice.
Find the best deals on the market from over 50 lenders.
Based on your details, here are some suitable mortgage options for you.
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Estimated
Monthly Repayment
Rates shown are indicative and based on current market averages. Actual rates will depend on lender criteria and individual circumstances. To get more information to see the actual products with the named lenders, compare fees properly, and learn which is best for you, get in touch with a Prudell adviser.
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Your mortgage shouldn’t be set and forgotten, many people forget this and end up overpaying. We’ll monitor it for you — and let you know when action is worth taking.
Before buying a property, see how much Stamp Duty is due.
These results should be accurate. Rates last updated on 10.12.25
Get an estimate on how much can you afford to borrow according to lenders.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates).
Estimate how much you could borrow based on income.
This is an estimate. Final offers depend on lender criteria, credit profile and verification. Contact Prudell for an FCA-compliant assessment. This calculator uses an income multiple method (common for quick estimates). Use the Mortgage Affordability tool for a 'lender-style' check.
Compare repayment, Retirement Interest Only, and lifetime mortgage options to understand your monthly payments, total interest, and longer-term impact. Adjust the figures to explore how different borrowing types could affect your costs over time.
Interest-only mortgages do not repay capital.
These results are for illustration only and are based on the information entered. Actual lender terms, interest rates and compounding methods may differ. Property growth is assumed at 2.5% per year for illustration and is not guaranteed. For personalised advice and precise figures, please speak to a Prudell adviser.
First-time buyer
95
5.00
First-time buyer
90
4.40
First-time buyer
85
4.20
First-time buyer
75
4.10
New Mortgage
90
4.50
Remortgage
90
4.35
Remortgage
75
4.15
Last Updated: 18/01/26
First-time buyer
95
5.50
First-time buyer
90
5.10
New Mortgage
90
5.00
Remortgage
75
4.60
Last Updated: 18/01/26
Buy-to-Let
90
5.30
Buy-to-Let
75
5.10
Buy-to-Let
60
4.90
Last Updated: 18/01/26
Buy-to-Let
90
5.75
Buy-to-Let
75
5.35
Buy-to-Let
60
5.05
Last Updated: 18/01/26
0.12
0.30
0.55
Last Updated: 18/01/26
Note:
Low/Fee-Free
0
0
0
0
0
Higher rate, minimal upfront cost
Standard
999
0
0
0
-0.10
Typical fee buys a small discount
Premium
1495
0
0
500
-0.20
Lower rate, higher fee, cashback offsets
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Short-term flexibility
Standard
499
0
0
0
-0.05
Slightly lower rate
Incentivised
999
0
0
500
-0.10
Tracker / discounted variable
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common for first-time buyers
Standard
999
0
0
0
-0.10
Most mainstream products
Cashback
1495
0
0
500
-0.20
Higher fee, lower rate
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often used as short-term solution
Standard
499
0
0
0
-0.05
Discounted variable
Cashback
999
0
0
500
-0.10
Less common but exists
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Often lender-assisted switch
Standard
999
0
0
0
-0.10
Typical remortgage
Cashback
1495
0
0
500
-0.15
Cashback ≠ full rate buy-down
Last Updated: 27/01/26
Low/Fee-Free
0
0
0
0
0
Common short-term remortgage
Standard
499
0
0
0
-0.05
Discounted tracker
Cashback
999
0
0
500
-0.10
Incentivised but cautious
Last Updated: 27/01/26
Low/Fee-Free
1499
0
0
0
-0.15
Most BTL products
Standard
1999
0
0
0
-0.25
Lower rates for higher fees
Cashback
2499
0
0
500
-0.30
Portfolio / professional landlords
Last Updated: 27/01/26
Low/Fee-Free
999
0
0
0
-0.10
Tracker / SVR discount
Standard
1999
0
0
0
-0.20
Lower margin products
Cashback
1999
0
0
500
-0.20
Less common but valid
Last Updated: 27/01/26