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HOW MUCH CAN I BORROW ON A BUY-TO-LET MORTGAGE?
The amount you can borrow on a buy to let mortgage is mainly based on the monthly rental you are getting or are likely to get. This buy to let mortgage calculator will give you an idea of what you can borrow based on the expected rental income.
Simply key in the amount of rent that you currently receive (or expect to receive) and our buy to let mortgage calculator will determine how much we think lenders will be happy to lend to you on a buy to let mortgage.
We’ll also break down the amount you could borrow on a buy to let mortgage into three tiers (red, amber & green) which will give you an indication of how likely it is that you’ll be able to borrow that amount.
Of course, some lenders are more generous than others so this estimate is to be taken purely as a guide, and some lenders will want to look at how much earned income you have from employment or self employment too.
There are a number of criteria that must be taken in to account when calculating exactly. These could include but are not limited to:
- Your monthly outgoings or regular commitments
- Whether your income is a basic salary or includes bonus, commision or overtime
- Whether you are self employed
- The amount of deposit you have
- Your age and whether you are borrowing past your retirement date
The lender however has the final input in to determining how much you can borrow. Each lender has their own criteria and as a broker we are perfectly placed to match you to the right lender for your borrowing requirements.
The calculators do not have the final say in how much you can borrw, your repayments etc., but this is where our expertise and experience in the field come in to play. We can sometimes make available a higher borrowing by taking your personal circumstances in to account.
*all potential borrowing is subject to affordability checks and credit status.
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We are an established broker working in partnership with selected lenders to bring our clients the financial solution that best suits their needs. From all types of residential or commercial mortgage through to bridging and development finance and onto vehicle, asset and business finance.
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