Maximum BTL Loan Calculator

Estimate the maximum Buy to Let mortgage amount based on rental income.

How do lenders calculate maximum BTL borrowing?

Lenders usually use Interest Coverage Ratio and a stress rate. This calculator shows the limit based on rental income and maximum LTV.

Details

£1,200
5.5%
125%
75%
£250,000

Stress rate: 7.5%.

Results

Maximum BTL mortgage
£153,600
at 75% LTV i ICR 125%
Limit by ICR£153,600
Limit by LTV (75%)£187,500
Minimum deposit£96,400
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Calculators show indicative figures. An adviser can check realistic options after reviewing your situation.

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