Buy-to-Let Affordability Calculators
Buy-to-Let Affordability
Estimate your BTL borrowing potential
£
£300£5,000
£
£5k£500k
%
4%9%
Lenders test affordability against a higher notional rate, not your actual pay rate, to ensure the loan remains affordable if rates rise.
%
110%160%
Most lenders require rental income to cover 125-145% of the mortgage payment, depending on your tax status.
Estimated outcome
Estimated maximum purchase price
£198,300
Based on your rental income (the limiting factor)
Max loan (rental-based)
£148,300
Max loan (deposit-based)
£150,000
Buy-to-let borrowing is typically capped at 75% loan-to-value (a 25% deposit), so we also check your deposit against this limit. Your actual maximum will be whichever figure is lower.
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