Buy-to-Let rent calculator

Buy-to-let mortgages require that the rental value of the property will cover the mortgage repayments.

Use this rent calculator to work out the minimum rent required for a buy-to-let mortgage loan:

It should be stressed that this is a very generic guide. As with everything in the mortgage market, your individual circumstances will dictate whether you qualify for a buy-to-let mortgage. We strongly advise that you speak to one of our advisers about your own situation before committing to anything.

* £ 

The minimum rent requirement:


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This is not a quotation under the Consumer Credit Act. Figures are subject to validation.

This information is designed to give quick idea of the likely mortgage amount you can borrow based on rental income coming in, however, this amount is subject to lots of different things such as your credit history, monthly outgoings and deposit. For a firmer idea it’s best to speak to an adviser who can run through your circumstances and help give you a more definitive figure.

It’s important you always get a specific quote from the lender before acting on the information. Contact us to review your requirements and let us advise on the most suitable mortgage for you.

IMPORTANT! Please read…

What do these fields mean?

When measuring affordability for buy-to-let mortgages, lenders stress test applications against mortgage rates rising to 5% and sometimes to 6.99%, even if the agreed final rate is lower, to guard against unexpected rises in costs for landlords.

Lenders also typically require a ‘buffer’ of 125% – i.e. the rental income each month must be 125% of the mortgage repayments. Enter your expected monthly rent, select 5, 5.5 or 6.99 (some lenders stress test at a higher level, so you may want to see all scenarios) and press calculate.