Buy to Let Mortgage Calculator

The maximum amount you can borrow with a buy to let mortgage is calculated differently to a normal residential mortgage (ie. where you occupy the property yourself). Although factors such as the type of property you are looking at, your credit history and the amount of deposit you have available are taken into account, your personal income usually isn't. Instead a lender will use the expected monthly rental income to determine the maximum loan available.

However, it should be noted that some lenders now require first time landlords or those with a small portfolio of properties to have a separate, non-related income of at least £25,000 per year as well as the rental income. For more information and advice specific to your circumstances you should contact a mortgage broker and they'll explain everything for you.

To use the calculator, enter your figures directly into the corresponding fields & then press 'Calculate'. Your results will appear below the calculator.

Work out how much you can borrow with a Buy to Let mortgage

Property ValueWhat is the property purchase price?

Monthly RentWhat is the monthly rent?

The results of your Buy to Let mortgage calculation

We have estimated that the maximum amount you could borrow with a buy to let mortgage, based upon a property value of and being able to achieve a monthly rent of is