Buy-to-Let Affordability Calculator

Our calculator covers Buy-to-Let, Rental Top-up, Houses in Multiple Occupation (HMO) and Multi-Unit Freehold Blocks (MUFB). It allows you to enter the total amount of finance you require to work out the minimum monthly amount of rent required from the property. Alternatively, you can enter the estimated monthly rental income to calculate the maximum finance amount we are likely to consider to purchase the property.

We base our Buy-to-Let affordability criteria on monthly payments calculated on a Rent Only basis, irrespective of whether or not you opt for an Acquisition & Rent agreement.

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Please note: Minimum finance £75,000. Maximum finance available up to 80% of the property value or purchase price (whichever is the lower) up to £2m, 75% up to £3m, and 70% up to £5m. For HMOs/MUFBs 75% up to £3m and 70% up to £5m. For finance above £5m and up to £10m, please contact a member of our team to discuss before proceeding. Please note that HMOs are not available to International Residents.


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