Buy to Let Maximum Loan Calculator

This calculator helps you estimate the maximum loan you can get for a Buy to Let mortgage. Speak with an advisor for personalized guidance.

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Stress Rate (Chosen by product)

Tax Rate

Rate based on stress and Tax

Rental income

Maximum Loan: £

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Disclaimers:

The figures provided by this calculator are for illustrative purposes only and do not constitute a mortgage offer. They are based on the accuracy of the information you have provided. Actual lending amounts and terms may vary depending on your financial circumstances and the lender's criteria.

This calculator is not intended to provide financial advice and should not be used as a substitute for professional financial consultation. Please speak to a qualified mortgage advisor to get personalised advice based on your specific situation.

aFinancial accepts no liability for any inaccuracies in the information provided by this calculator or for any actions taken based on its results. Users should seek independent advice before making financial decisions.

Interest rates and lender criteria are subject to change. The rates used in this calculator may not reflect current rates available in the market. Please consult with a mortgage advisor for the most up-to-date information.

We Earn Your Trust by Ensuring Your Purchase Is Right for You

We are here to help you uncover the truth about your dream home, identify any potential issues with a potential purchase, and determine the best price to offer the vendor or estate agent. Our expert mortgage advice ensures you understand how much you can borrow and identifies the right mortgage lender for your needs, not those of the estate agent.

Our clients love the service and care we provide them. Many of our new clients come from referrals and introductions for that reason. To show our appreciation, every referral you provide will receive a special reward 🎁 from us as a heartfelt thank you!

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Book a free 15-minute consultation with our expert mortgage advisors to discuss your personalized mortgage options.

Understanding Buy-to-Let Mortgages

Buy-to-let mortgages are specifically designed for individuals looking to invest in property that they intend to rent out. The amount you can borrow is often determined by the rental income the property can generate, as well as your personal income and existing financial commitments.

Key Considerations

  • Rental Income: The expected rental income is a critical factor in determining the maximum mortgage amount. Lenders usually require that the rental income covers 125%-145% of the mortgage payments.
  • Interest Rates: Interest rates on buy-to-let mortgages are typically higher than residential mortgages. Be sure to compare rates and understand how changes might impact your repayments.
  • Personal Income: While rental income is a primary consideration, some lenders also look at your personal income to assess affordability.

Real-Life Examples

Case Study 1: Experienced Investor

John, an experienced property investor, wanted to expand his portfolio with a new rental property in Birmingham. He found a property with a rental potential of £1,200 per month. Using our mortgage calculator, he determined that he could borrow up to £240,000, given his other financial commitments and the property's rental income.

Case Study 2: First-Time Landlord

Sarah, a first-time landlord, was interested in buying a small flat in Oxford. The property was expected to generate £900 per month in rent. After using the calculator, Sarah realized she could borrow up to £180,000. This allowed her to secure the property and start her journey as a landlord.

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