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Lenders size a buy-to-let loan from the rent, not your income: the rent must cover a stressed interest bill by a margin (the ICR). Enter the expected rent and product details to see the maximum loan.
Ltd company and basic-rate landlords are stress-tested at 125% rent cover; higher and additional-rate taxpayers at 145%.
Products fixed for under five years are stressed at the pay rate + 2% (minimum 5.5%). Five-year fixes are typically assessed at the pay rate.
at 4.99% stress rate · 125% ICR · interest-only
Free · No obligation · Whole of market
Illustrative only — not advice or an offer of finance. Rates and criteria vary by lender.
This calculator is for illustrative purposes only. It is not advice, an offer of finance, or a quotation. Actual figures vary — always seek professional advice before committing to a purchase or loan.