No Fee Equivalent Rate Calculator
Compare buy to let mortgage products by converting lender and broker fees into a no-fee equivalent rate over the deal period.
Use it to see whether a lower headline rate still makes sense once fees are included, or whether a fee-free option may work better overall.
Visit Tools for a free credit report or affordability assessment.
Contact Options
Need help comparing two buy to let products properly? Book a call and we can sense-check the rate, fee structure, and lender fit.
Frequently Asked Questions
It is the interest rate a product would need to have if there were no fees at all, once the actual fees are spread across the deal term.
A lower headline rate can still work out more expensive overall if the fees are high. This tool helps you compare like-for-like cost over the deal period.
No. It is a comparison guide only. The right product still depends on lender criteria, early repayment charges, incentives, borrower profile, and property details.
Important Information
This calculator is for illustration only and does not provide mortgage advice or a mortgage offer. It helps compare product costs over a stated term, but it does not account for every lender rule or product feature.
Speak with a qualified adviser before relying on any figure or choosing a product.