Updated - 2025/26 rates

Buy-to-let mortgage affordability calculator UK 2025/26

Work out your maximum buy-to-let mortgage borrowing based on property price, deposit, and interest rate. Includes an interest cover ratio (ICR) check - the key test lenders use before deciding how much to lend.

UK landlord calculator

Buy-to-let mortgage affordability calculator UK

Estimate how much a buy-to-let lender may allow you to borrow using monthly rent, stressed interest rate, interest coverage ratio, maximum LTV, target loan, and fees.

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Inputs

Enter rent and loan details

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Output

Your affordability estimate

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Planning estimate

Unbiased calculation based on HMRC rules

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Reflects 2025/26 rates and April 2025 changes

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This calculator provides a planning estimate only and is not tax, mortgage, legal, insurance, or investment advice. Buy-to-let lender criteria vary by product, borrower profile, portfolio status, property type, company structure, and underwriting policy. Speak to a regulated mortgage adviser before acting.

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Frequently asked questions

What is an interest cover ratio (ICR) and why does it matter?
What LTV do most buy-to-let lenders offer?
Can I get a buy-to-let mortgage on interest-only?
How much deposit do I need for a buy-to-let mortgage?
Does rental income count as income for a buy-to-let mortgage?
Does private residence relief apply to a property I used to live in?

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Disclaimer: This calculator provides an estimate based on publicly available UK tax rates and industry data current to 2025/26. It does not constitute tax, legal, or financial advice. Your actual figures may differ depending on your specific circumstances. Always confirm your position with a qualified solicitor, accountant, or financial adviser before making any property or financial decision.
@ 2026 LandlordCalcs · Rates updated 2025/26 · Not financial advice
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