Rental Income Calculator
Use our UK rental income calculator to work out the monthly rent you’d need to support a given buy-to-let mortgage amount.
Our UK rental income calculator is for anyone who already knows how much they want to borrow, perhaps you’ve found a property or are refinancing an existing one, and wants to know the minimum monthly rent a lender will expect the property to achieve.
It works backwards from the mortgage amount, using the same stressed interest rate and Interest Coverage Ratio (ICR) UK lenders apply when assessing buy-to-let affordability. Your ICR depends on your tax position: higher-rate taxpayers need to meet a stricter 145% coverage ratio, while lower-rate taxpayers are assessed at 125%.
This is a guide figure only. Get in touch with one of our advisers to check the rent achievable for your property against real lender criteria.
This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you. All mortgages are subject to the applicant(s) meeting the eligibility criteria of the specific lender. You should make an appointment to receive mortgage advice which will be based on your needs and circumstances.