Buy-To-Let Mortgage Calculator
Use our UK buy to let mortgage calculator to find out how much you could potentially borrow, based on your expected rental income.
This UK buy to let mortgage calculator gives you a guide figure for how much you could borrow against a rental property. Buy-to-let mortgages are assessed differently to residential ones, UK lenders lend against the rental income the property will generate, not your personal salary.
Enter the monthly rent you expect to achieve, and the calculator applies a stressed interest rate and an Interest Coverage Ratio (ICR) — the same type of test lenders use to make sure the rent comfortably covers the mortgage payment, even if rates rise. Your ICR depends on your tax position: higher-rate taxpayers are assessed at a stricter 145% coverage ratio, while lower-rate taxpayers are assessed at 125%.
This figure is a guide only, actual lending amounts depend on the specific lender, product, and your wider circumstances. Speak to one of our advisers to get an accurate picture based on your situation.
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.