Calculators

Seven calculators built the way lenders actually underwrite.

Run the numbers first. Then talk to a broker who can tell you which lender will accept them.

Buy-to-let stress test calculator

Maximum loan and pass/fail per lender stress profile.

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Rental yield calculator

Gross and net yield with a back-of-envelope ROI estimate.

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Buy-to-let stamp duty calculator

SDLT, LBTT and LTT including the 5% additional dwelling surcharge.

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Limited company vs personal calculator

Comparative tax outcome over five and ten years.

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Portfolio LTV and ICR calculator

Portfolio LTV, weighted ICR and capacity for a top-up.

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Refurb-to-BTL ROI calculator

ROI, cash left in deal and refinance proceeds on a refurb-to-rent.

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Bridge-to-let cost calculator

Total cost of a bridge plus the exit funding required.

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Enquiry

Speak to a broker

Same-business-day callback. Fee-free initial consultation. Whole-of-market access to our 100+ buy-to-let lender panel.

→Whole-of-market panel: 100+ specialist BTL lenders.
→Same-business-day callback during office hours.
→Initial consultation always fee-free.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages — if your case falls into the regulated regime we will refer you to an FCA-authorised firm.