Buy-to-let mortgage calculators
UK BTL borrowing is driven by ICR (Interest Cover Ratio) stress testing — not personal income. Model your rent, stress rate and required ICR to see the maximum loan.
Buy-to-let mortgage calculator
Enter your figures, then add your name and phone to reveal the result. Free, no credit check.
More buy-to-let calculators
Rental yield calculator
Gross yield = (annual rent ÷ property price) × 100. Under 5% is often too tight.
Buy-to-let affordability calculator
Same ICR stress test framed around the loan you want vs. the rent you'll get.
Rental income calculator
Realistic rent based on local comparables, void allowance and management fee.
Stress test calculator
Simulate a 2%/3% rate rise against your existing BTL rent.
Buy-to-let profit calculator
Rent − mortgage interest − running costs − tax. Shows monthly cashflow.
Landlord ROI calculator
Annual profit ÷ cash invested (deposit + fees + refurb). Cash-on-cash return.
Every scenario above depends on lender-specific criteria (income multiples, ICR, stress rates, credit profile). A vetted FCA-regulated broker will run the exact numbers for your situation in one working day.
Frequently asked questions
What ICR do UK buy-to-let lenders use?
125% for basic-rate taxpayers or limited companies, 145% for higher-rate taxpayers in personal name, and 165%+ for HMOs and multi-unit blocks (MUFBs).
Is limited-company BTL better than personal name?
For higher-rate taxpayers with 3+ properties, usually yes — full mortgage interest deduction and Corporation Tax rates. A broker will run the after-tax numbers for both structures.
What stress rate do UK BTL lenders use in 2026?
Typically the higher of 5.5% or product rate + 2% for 2-year fixes. 5-year fixes are often stressed at pay rate — which is why they let you borrow more.
Can I get a buy-to-let mortgage as a first-time buyer?
Yes, but the lender pool is small (Kensington, Kent Reliance, The Mortgage Works and a few specialists). Expect higher rates and a minimum 20–25% deposit.
Do I need a minimum income for a UK BTL mortgage?
Most lenders require £25,000 personal income (some £15,000, a few have no minimum). This is separate from the rental stress test on the property itself.
Can I live in a property with a buy-to-let mortgage?
No — this is mortgage fraud. If you plan to move in, you need consent to let-to-buy, a residential mortgage, or a specific let-to-buy product.