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Is Buy to Let a good investment?

  • Our Buy to Let mortgage calculator can give you an estimate of how much you could borrow.
  • Portfolio landlords are assessed differently as of 1 Oct 2017, so finding the right lender is important.
  • With the above in mind, let us do the legwork to find the most suitable lenders for you.
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Buy to Let mortgage calculator

How much can I borrow based on my (expected) rent?

Lenders assess Buy to Let mortgages by stress testing the rental income. However, every lender is different in their calculation and therefore our Buy to Let mortgage calculator gives you a range of potential Buy to Let mortgage amounts. The information below is for general guidance only, as other factors will also influence the maximum BTL borrowing. Please insert the full rental amount in the Buy to Let calculator below to find out how much BTL mortgage you could possibly get.

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Please remember that lenders normally only go up to 75% loan to value, may apply a different rental stress test calculation based on your income level and have other rules. With this in mind, you will greatly benefit from talking to one of our expert mortgage advisors about your Buy to Let plans.

How much rent will I need in order to borrow the amount I want?

This Buy To Let mortgage calculator is aimed at giving you an idea of how much rental income would be required to borrow a certain Buy to Let mortgage amount. However, as lenders use different mortgage stress testing figures for calculation purposes, the actual required rent amount will likely fall between the figures displayed.

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You may find this BTL tool useful when assessing whether investing in an area or in a property is viable based on the rents you could achieve. As whole of market independent advisors, we can give you more accurate figures based on your circumstances.

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