Buy To Let Calculator


As Now Transitional Rules New Rules
2016/17 2017/18 2018/19 2019/20 2020/21
Rental Income
Running Costs
Mortgage Interest
Deductible Mortgage Interest
Taxable Rental Income
Tax on Rental Income
Mortgage Interest Relief
Tax Due on Rental Income
Net Profit/Loss after Tax



2016/17 2017/18 2018/19 2019/20 2020/21


  1. The above illustrations are indicative and don't cover all possible scenarios.Your circumstances will determine your total tax liability.
  2. Rental income and mortgage costs remain the same over time. Mortgage payments are calculated on an interest only basis.
  3. In some circumstances, losses may be carried over to subsequent tax years, this calculator doesn't take account of losses.
  4. As tax is paid in arrears, this calculator isn't representative of cash flow.
  5. Additional fees, including Early Repayment Charges(ERCs), may apply.


0% Threshold £11,000
20% Threshold £43,000
40% Threshold £150,000
45% Threshold Over £150,000


The value of tax reliefs depends on your individual circumstances. Tax laws can change. The Financial Conduct Authority does not regulate tax advice.
No responsibility can be accepted for any loss as a result of acts or omissions taken in respect of use of this calculator.
Thresholds, rates and tax legislation may change in subsequent Finance Acts. Levels, bases of and reliefs from taxation are subject to change and depend on individual circumstances.
These calculators provide examples to help with budgeting and not to choose a mortgage.


© Private Finance Limited, 2017. Private Finance provides independent mortgage advice and arranges individual mortgage solutions for clients. Private Finance is a trading style of Private Finance Ltd, 21 Bedford Square, London WC1B 3HH, registered in England no. 3855776 and Private Finance Associates LLP (PFA LLP) of the same address, registered in England no. OC357301. PFA LLP is an Appointed Representative of Private Finance Ltd. Charges are based on the loan amount and the complexity of your needs and circumstances. Our maximum fee is 1% however typically our average fee has been 0.28%, i.e. £980 on a loan of £350,000. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

Private Finance Ltd is rated 4.94 stars by based on 226 merchant reviews

4.94 / 5 Rating
226 Reviews
From the very beginning, via a referral Ryan has been very clear, concise and helpful throughout the entire process. Everything was explained and nothing too much trouble despite us throwing numerous different options at him. at the point in which we went through the application both Ryan and Chloe were fantastic, polite, friendly and informative. the information and application process was clear and hassle free and moving on to the secondary phase of organising health and home insurance again, both have been extremely helpful and professional throughout, always with a pleasant disposition and friendly manner. nothing has ever seemed to be too much trouble so a huge thank you and we will definitely refer others to them. thank you
I found the advice comprehensive, clear and extremely helpful. My interactions with Sarah Sheppard were of the highest quality in terms of responsiveness and coming up with solutions not problems and she made me feel like my business was important and she wanted to help me secure my new property. I felt she was partnering me on my journey and this provided welcome support during what is a very stressful time. I felt more than a number - but a person who mattered. Thanks - Carole
Have used them several times, and would continue to. Janna and George took all the hassle out of a mortgage application for us, and it's done with a personal and friendly service.
The British Mortgage Awards 2015 back to top