Buy to Let Mortgage Calculator Estimate Your Borrowing Potential

Looking to invest in rental property and want to understand what you could borrow?

Our Buy to Let Mortgage Calculator helps you estimate your borrowing limit based on your expected rental income and lender affordability rules — giving you a clearer picture before you apply.

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How the Buy to Let Mortgage Calculator Works

Buy to let lenders use a method called the Interest Coverage Ratio (ICR) to assess affordability. This compares your expected rental income to the mortgage repayments, typically requiring rental income to cover repayments by 125–145% depending on your tax status:

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Basic-rate taxpayers:

Minimum 125% coverage

Higher-rate taxpayers:

Minimum 145% coverage

Our calculator also applies standard stress testing:

2-Year Fixed Deals:

Stress tested at 5.5% interest

5-Year Fixed Deals:

Stress tested at 4.5% interest

You’ll get a rough borrowing estimate using these figures — which helps you gauge if a specific property or rent level is viable.

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Enter your expected monthly rental income and choose your tax status and fixed rate term to estimate what you could borrow:

Why Use a Buy to Let Calculator?

Understand how much you can borrow before speaking to a lender
Tailor your investment plan to your borrowing capacity
Adjust expectations based on rental yield and stress testing
Save time comparing unsuitable properties

Important Considerations

While this tool gives a great initial estimate, lenders may also consider:

Personal income (in some cases)
Existing property portfolio
Location and type of property
Rental yield versus purchase price

To get a precise figure, speak with a broker who can match you with a lender that fits your full profile.

Buy to Let Calculator FAQs

Yes. It’s designed for both first-time landlords and experienced investors.

The calculator provides a quick estimate based on standard lender affordability rules. It doesn’t replace a full assessment by a broker or lender.

ICR is the ratio lenders use to ensure your rental income sufficiently covers the mortgage interest. Typically, this is 125%–145% depending on your tax status.

No. It’s based on rental income only. Some lenders will factor in your personal income separately.

Typically 5.5% for 2-year fixed and 4.5% for 5-year fixed products. This calculator applies those benchmarks.

Yes, but rates, criteria, and tax implications differ. This calculator gives a general estimate and assumes standard personal ownership.

Many lenders and investors consider a 5–8% gross yield to be strong, though this varies by location.

No, but lender criteria may differ for expats or non-residents. Speak with a broker for tailored advice.

Most lenders require at least a 20–25% deposit. Some specialist lenders may accept less with higher rates.

The result is for guidance only. We recommend speaking with a broker to confirm your eligibility and find the right product.

Explore More Mortgage Tools

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Need Help Finding the Right Buy to Let Mortgage?

We work with experienced landlords and first-time investors to help them secure competitive buy to let mortgage deals. If you’re unsure what your next step is, we’ll guide you.

Read Which’s guide for a clear overview of how buy to let mortgages work in the UK.

Compare mortgage rates start your buy to let plan

Illustration of a house representing rental property finance, promoting the buy to let mortgage calculator for estimating investment borrowing potential.