Buy-to-Let Mortgage Calculator
Check affordability, monthly payments, and whether your rental income passes the lender stress test.
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LTV
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Monthly Profit
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Lender Stress Test (125% @ 5.5%)
Before you buy — is the property compliant?
Non-compliant properties can't be legally let. Check EPC rating, gas safety, licensing requirements, and 20+ other regulations before you exchange.
Run Free Compliance Audit →Buy-to-Let Mortgage Affordability 2026
Most BTL lenders require your rental income to cover at least 125% of the mortgage payment at a stress rate of 5.5% (or the pay rate + 2%, whichever is higher). This is known as the Interest Coverage Ratio (ICR).
For example, if your interest-only payment is £1,000/month, your rental income must be at least £1,250/month to pass the stress test.
Typical BTL Mortgage Requirements 2026
• Minimum 25% deposit (75% LTV) — some lenders accept 20%
• Rental income must cover 125-145% of mortgage at stress rate
• Minimum property value: £50,000-£75,000
• Most lenders require minimum income of £25,000