Buy-to-let calculator

Calculating an accurate borrowing figure for your customer

Buy-to-let affordability calculator

Our affordability calculator is fully aligned to our application system and will return an accurate lending value if all fields are completed accurately.

If debts are not declared correctly in the calculator they will be picked up at application stage from information held at the credit reference agency and this may impact the loan amount we can offer.

Affordability Result

Help text

Our calculator will check if the requested mortgage amount is available based on our rental cover tests. If it’s not but personal income could help, we’ll ask about that too.

Age of the oldest applicanthelp error/correct

Will any applicants be higher or additional/top rate taxpayers? help error/correct

Mortgage term error/correct

Is customer a portfolio landlord? error/correct

Definition of portfolio landlord by PRA is 'a borrower with four or more distinct mortgaged BTL properties, either together or separately, in aggregate, should be treated as 'portfolio landlords'

Is the Product fixed for 5 years or longer?

Product rate percentagehelp error/correct %

Loan type

Purchase
Remortgage
Product transfer with additional borrowing

Estimated property valuehelp error/correct

Requested mortgage amounthelp error/correct

How much extra is to be added to the mortgage?help error/correct

Enter declared monthly rental incomehelp error/correct

Estimated loan to value error/correct 0%