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FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

FOR THE USE OF MORTGAGE INTERMEDIARIES & OTHER PROFESSIONALS ONLY

Buy-to-Let calculator

This calculator will give you a broad indication of the amount we are able to lend. It’s designed for guidance purposes only.

 

For Portfolio Buy-to-Let lending, the Security property must achieve a minimum ICR of 145%, calculated using a stress rate equal to the higher of 5.5% or the product rate plus 2%, irrespective of the product fixed rate term. For more information visit our criteria page.

 

Please use our dedicated Additional Borrowing calculator to determine affordability.

 

* For applications with zero taxable the income ratio will be 145% ICR, these can be appealed via your BDM providing they fit 125% ICR.

Max Loan Available
  • The tax band you select must take into account expected rental income from all properties that the applicant(s) will own on completion of this application.
  • Tax band will be based on the applicant with the highest income.
  • If any applicant is Self – Employed / Day Rate Contractors or on £0 income, please select “BTL High Rate Tax (145% ICR) regardless of their tax band.*
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If only one result is provided, it indicates that the maximum loan amount is the same regardless of product term.

Most Buy-to-Let and commercial mortgages are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority.