Free tools/How Much Can I Borrow Buy to Let?
How Much Can I Borrow Buy to Let?
Answer the classic landlord question: how much can I borrow on buy-to-let? We cap the loan by rent at your stress rate and ICR, then by your target LTV.
Cash deposit £62,500
Typical lender stress rates often sit around 5-6%
Max loan at ICR / stress
£209,455
Binding loan (min of LTV & ICR)
£187,500
Requested £187,500
LTV on binding loan
75.0%
Monthly payment
£703
Interest-only at pay rate
ICR at stress rate
140%
Passes target
Rental cover vs stress ICR
£1,509
Annual rent minus (stressed interest × ICR target)
- Stress rate 5.5% with ICR target 125%
- Interest-only monthly payment uses pay rate on the binding loan
- Max loan is capped by ICR at the stress rate, then by purchase LTV
- Illustrative only - lenders apply their own criteria
How to use this tool
Borrowing power on BTL is usually rent-led, not salary-led. Stress rate and ICR threshold matter as much as the headline interest rate.
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Frequently asked questions
- Is this a decision in principle?
- No. Lenders also check credit, valuation and portfolio rules. Use this as a rent-led ceiling.
Related
Illustrative only - not mortgage, tax or financial advice. Figures depend on your lender, tax status and circumstances. Always check with a qualified adviser before acting.