Buy-to-let mortgage calculator
Buy-to-let lenders check that the rent covers the mortgage interest by a set margin at a “stress” rate. See what your rent could support.
How this works
- Lenders usually need the annual rent to cover the annual mortgage interest by 125% (basic-rate taxpayers and limited companies) or 145% (higher-rate taxpayers), tested at an interest rate of 5.5%.
- We also cap the loan at 75% of the property value, and show the lower of the two.
- Criteria vary a lot between lenders, especially for five-year fixed rates, portfolio landlords and HMOs.
These results are estimates for illustration only, based on the figures you enter and the assumptions shown. They are not a mortgage offer or personal advice, and what lenders will offer depends on your circumstances.
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