Buy to Let Maximum Loan Calculator
Estimate the maximum buy to let mortgage based on the stress rate, rental cover requirement, and expected monthly rent.
Use it as an early guide before comparing products or speaking with an adviser about a specific property and lender criteria.
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Contact Options
Need a lender-accurate view of a buy to let case? Book a call and we can sense-check the property, rent, tax position, and lender fit.
Frequently Asked Questions
The stress rate is the interest rate a lender uses to test whether the rental income still supports the mortgage. It is often higher than the actual product rate.
The rental cover requirement is the percentage of the stressed mortgage payment the expected rent must cover. Common figures are 125% and 145%, depending on tax position and lender policy.
No. It is a quick guide only. The final lending decision depends on the lender, product, property, valuation, borrower profile, and any wider portfolio exposure.
Important Information
This calculator is for illustration only and does not provide mortgage advice or a mortgage offer. Actual borrowing will depend on lender criteria, valuation, tax position, property type, and your wider financial circumstances.
Speak with a qualified adviser before relying on any figure, submitting an application, or making an offer on a property.