BTL Max Rent Calculator
Work backwards from the loan you want to the minimum rent it needs. Use it to test whether a property's yield clears the lender's bar.
How the numbers land.
Three steps from input to a figure you can plan around.
Enter the loan
The mortgage amount you want, the product rate, and the lender's ICR (e.g. 125% or 145%).
See the rent floor
The minimum monthly rent needed to satisfy the lender's rental cover at a typical stressed rate.
Compare to market rent
If your area can't deliver that rent, you'll need a bigger deposit, a different property, or a specialist lender.
Talk to a BTL specialist
Key figures behind this calculator
125%
Basic-rate ICR
145%
Higher-rate ICR
5.5%
Typical stress rate
What we assume.
Every calculator is a model. Here's where ours rounds, simplifies, or hands the detail to a real adviser.
Standard cover ratios
Calculator uses the most common ICRs. Limited-company and HMO lending often differs.
Lender uses lower of two figures
Lenders typically take the lower of an independent valuation's "market rent" and the rent you actually achieve. Plan around the cautious figure.
No void periods modelled
The figure assumes 100% occupancy. Real-world budgeting should leave a buffer.
Tax not factored
Section 24 limits mortgage interest relief. Net yield depends on your tax band — speak to a tax adviser before relying on the gross figure.
Frequently asked.
It is the minimum the lender needs to satisfy stress-tested rental cover (ICR), not necessarily the market rent. If your area cannot support that rent, you will need a larger deposit or a specialist lender.
Still got a question we haven't answered?
Talk to an adviserFrom figure to offer.
Calculators give you a useful estimate. The real number depends on your full circumstances, credit profile, and the lender that ultimately approves the case. Our CeMAP-qualified advisers compare 90+ UK lenders and translate the btl max rent calculator into a deal you can actually take.
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Higher approval confidence
Our brokers know which lenders suit first-time buyers, remortgagers, buy-to-let, and complex cases.
Service that performs
Clear communication, realistic timelines, and the right product — not just the lowest headline rate.