{"id":82121,"date":"2026-01-24T13:38:17","date_gmt":"2026-01-24T13:38:17","guid":{"rendered":"https:\/\/smfinancelounge.co.uk\/?page_id=82121"},"modified":"2026-11-07T19:28:36","modified_gmt":"2026-11-07T19:28:36","slug":"buy-to-let-borrowing-calculator","status":"publish","type":"page","link":"https:\/\/smfinancelounge.co.uk\/lt\/buy-to-let-borrowing-calculator\/","title":{"rendered":"Maksimali paskolos suma perkant nuomai"},"content":{"rendered":"

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BUY TO LET MAXIMUM BORROWING CALCULATOR<\/h1>\n

Use our buy to let borrowing calculator to estimate how much you could borrow based on the rent a property is expected to earn. Buy to let lending is mainly assessed on rental income rather than your salary. Lenders check that the rent covers the mortgage interest by a set margin, which varies with your tax position and whether you buy personally or through a limited company.<\/p>\n

This calculator gives an estimate only. See how we help landlords<\/a> or check the rent a lender may need<\/a>.<\/p>\n

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This calculator is an interactive tool which should be used for your guidance only, and must not form part of your financial decision-making process.<\/p>\n

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How our buy to let borrowing calculator works<\/h2>\n

Buy to let lenders mainly look at the rent, not your salary. Our buy to let borrowing calculator uses the same test most lenders use, called the interest coverage ratio (ICR)<\/strong>. The expected rent must cover the mortgage interest by a set margin, worked out at a “stress” interest rate that is often higher than the rate you’ll actually pay.<\/pee><\/p>\n

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125% ICR<\/h3>\n

Usually used for limited companies and basic rate taxpayers. The rent must be at least 125% of the mortgage interest at the stress rate.<\/pee><\/div>\n

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145% ICR<\/h3>\n

Usually used for higher and additional rate taxpayers buying in their own name. The higher margin means you can borrow less on the same rent.<\/pee><\/div>\n

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An example<\/h3>\n

A flat lets for \u00a31,200 a month (\u00a314,400 a year). Here is what you could borrow with a 5.5% stress rate:<\/pee><\/p>\n