Lenders use a specific formula to ensure the rent covers the mortgage plus a safety buffer.
Several platforms offer specialized tools for different landlord needs: buy to let mortgage calculator how much can i borrow
Most BTL lenders require a larger deposit than residential loans, usually capping at 75% to 80% LTV. Top Calculator Options (April 2026) Lenders use a specific formula to ensure the
Calculators often "stress test" your application by assuming a higher interest rate (e.g., 5% to 5.5% ) to ensure you can still pay if rates rise. Most "how much can I borrow" buy-to-let (BTL)
Most "how much can I borrow" buy-to-let (BTL) calculators differ significantly from residential ones because they prioritize over personal salary. 🛠️ How BTL Calculators Work
Lenders typically require rent to be 125% to 145% of the monthly mortgage payment.
Buy to Let Mortgage Calculator | How Much Can I Borrow? - Alexander Hall