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Rental Calculator

Use our rental calculator to work out the minimum rent required for a Buy to Let Mortgage.
If there’s a shortfall it’ll also confirm if top slicing is available for your client and if so, take you to our surplus income calculator.

If the declared rental income is insufficient to meet the loan requested, then it may be possible to increase the maximum loan available by either:

  • Extending the initial product term to 5 years where you have initially selected a shorter term, or
  • Use surplus income from employment / self-employment to cover the rental shortfall. This will be subject to additional lending criteria and and also that the monthly rent covers the monthly mortgage commitment using the stress rate, by at least 100%

Straight Switch - If your client(s) are re-mortgaging with no additional borrowing.

Capital Raising/New Purchase - If your client(s) are looking to borrow more.

Please provide details if you require the maximum loan amount

Terms of between 5 and 40 years are acceptable

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*Amount shown will not exceed either the amount entered in the ‘loan required’ field or 80% of the declared property value

Important information

Please note our rental calculator is for guidance purposes only. Please submit a decision in principle (DIP) to obtain an accurate indication of the loan amount and the minimum rental income expected for your client.

Following the DIP, we may undertake further checks to assess affordability for your client, which may result in a reduction to the loan amount we are prepared to advance or the loan being declined.

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