Buy-to-let mortgages require that the rental value of the property will cover the mortgage repayments. Use this calculator to find out how much your client could borrow. All Buy-To-Let will be individually assessed by underwriters.
Use of personal income (Top Slicing) can be utilised to cover a rental income ICR shortfall (conditions apply). See our Lending Criteria to find out more.
Important – Buy-to-Let LTV and fees
- For portfolio landlords, the maximum LTV is 75% including any fees
- For non-portfolio landlords, the maximum LTV is 75% excluding fees – fees may be added on top and can take the total above 75%
Please note: the calculator currently reflects LTV including fees.