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Buy to let mortgage calculator

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By Pete Mugleston  | Mortgage Advisor Pete has been a mortgage advisor for over 10 years, and is regularly cited in both trade and national press.

Updated: 25th June 2019* | Published: 31st October 2013

Welcome to the ultimate buy to let calculator.

It will give you approximate figures for the most you can borrow based on your property value, based on your rental income, and what rental income you need to borrow the mortgage you want. This calculator is just for indicative purposes based on how most lenders can calculate their lending and affordability - the actual amount you can borrow will only ever be confirmed once you approach a lender formally and go through their credit scoring systems. Therefore, bear in mind that that these are rough estimates only and this should not be construed as advice.

Note: This calculator may not be suitable for portfolio landlords of more than 4 properties given the PRA changes to how these mortgages are assessed. New calculators for this are ULTRA complex and currently being worked on by people far more clever than me! As soon as we have hold of a decent one we'll post it here.


To get an accurate borrowing limit, to have an advisor arrange an official mortgage in principle, or to ask us anything at all, make an enquiry below...

 


Updated: 25th June 2019
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FCA disclaimer

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The info on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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