BTL Max Rent
Calculator
Calculate the rental income needed for a buy-to-let mortgage. Plan your property investment with confidence. Check your LTV ratio with our LTV calculator on this page.
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How this calculator works
Enter the loan amount you want, the interest rate and the lender’s required interest coverage ratio (e.g. 125% or 145%). The calculator shows the minimum gross monthly rent needed to meet that coverage at a typical stressed rate. Use it to quickly check if a property’s rental yield is sufficient for a UK BTL mortgage.
BTL Max Rent Calculator
Rental Income
Requirements
Before purchasing a buy-to-let property, it's crucial to understand the minimum rental income you'll need to secure a mortgage. Lenders use this to ensure the property can service the debt even if interest rates rise.
The rental coverage requirement varies by lender but typically ranges from 125% to 145% of the monthly mortgage payment. Higher-rate taxpayers often face stricter requirements, sometimes needing 145% coverage or more.
Our calculator works backwards from your desired mortgage amount to show the minimum rent you'd need to achieve. This helps you evaluate whether a potential investment property will meet lender requirements before you commit to a purchase.
Speak to an Expert
Our calculators give you a useful estimate, but your actual mortgage and protection options depend on your full circumstances, credit history and lender criteria. Clearview Mortgage Solutions’ FCA regulated—our CeMAP-qualified advisers are on hand to explain how each calculator applies to you and to help you compare real mortgage quotes from 90+ UK lenders.
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Calculate Your
LTV Ratio
Understanding your loan-to-value ratio helps you find the best mortgage rates. What is LTV? →