How much can I borrow for my buy-to-let property?

Our ‘borrow’ calculator will give you an idea of what you might be able to borrow (this will vary greatly from lender to lender). Enter your proposed monthly rent details, select either 5 or 5.5 on the stress test rate field and use the 'Calculate' button. (Please note the calculation assumes a buffer of 125%).

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It should be stressed that this is a very generic guide.  As with everything in the mortgage market, your individual circumstances will dictate whether you qualify for a buy-to-let mortgage. We strongly advise that you speak to one of our advisers about your own situation before committing to anything.

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The maximum loan you can borrow is:

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This is not a quotation under the Consumer Credit Act. Figures are subject to validation of income, credit checks and a property valuation.

What do these fields mean?

When measuring affordability for buy-to-let mortgages, lenders stress test applications against mortgage rates rising to 5% and sometimes to 5.5%, even if the agreed final rate is lower, to guard against unexpected rises in costs for landlords.

Lenders also typically require a ‘buffer’ of 125% - i.e. the rental income each month must be 125% of the mortgage repayments.

Enter your proposed monthly rent, select 5 or 5.5 (some lenders are beginning to stress test at a higher level, so you may want to see both scenarios) and press calculate.

The Buy-to-let Maximum Loan calculator is a great way to start – but it’s certainly not a definitive answer – and if it’s not the answer you’re looking for, our experts can review your full situation and advise on the most appropriate course of action, including products you might not previously have considered.


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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT.

John Charcol is a trading name of John Charcol Limited and its Appointed Representatives. John Charcol Limited is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665649. Registered in England No. 9157892. Registered office address for John Charcol Limited is 5th Floor, Cutlers Exchange, 123 Houndsditch, London, EC3A 7BU. The FCA does not regulate some investment mortgage contracts. Calls may be recorded for training and monitoring.