Buy-to-Let Calculator

Work out the maximum buy-to-let loan from the monthly rent, the interest rate and the rental cover required. For a personal quote, call us on 0161 518 0808.

Enter the monthly rent, the interest (pay) rate and the rental cover. Rental cover starts at 125% and can be changed. Property value and LTV are optional and cap the loan if you fill them in.

Monthly rent (£)

Interest / pay rate (%)

Use the higher of the initial rate and the reversion rate, as a percentage (for example 7.67).

Rental cover (%)

125% is a common starting point. You can type any other figure, such as 145.

Optional loan-to-value cap

Property value (£)

Maximum LTV (%)

Only used if you enter a property value. The loan is then the lower of the rental maximum and this LTV cap.

Maximum loan from rent

Maximum loan from LTV cap

Maximum loan

This is an illustration only and is not a mortgage offer or a recommendation.
Actual lending criteria, interest rates and rental cover vary by lender, applicant and property. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it. Call us on 0161 518 0808 to talk it through.

How this is calculated: maximum loan = (monthly rent × 12) ÷ pay rate ÷ rental cover. The pay rate and rental cover are entered as percentages (for example 7.67 and 125), then converted to decimals (0.0767 and 1.25). This is an illustration only.

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