Buy to let affordability calculator

Our buy to let (BTL) affordability calculator gives you a quick and easy decision as to whether your client(s) meet our affordability criteria, before submitting a case to us.

We consider both personal and rental income within our affordability calculation, undertaking a detailed affordability assessment of the borrower(s). Since our income affordability test includes all relevant costs, applicant level tax liability (including mortgage interest relief changes being phased in from April 2017) and assumes a stressed borrower interest rate (for existing and applied for BTL mortgages), we no longer need a separate rental coverage ratio test – simply complete all relevant fields below.

The result is dependent on the accuracy and completeness of the information inputted and will be checked as part of our underwriting process.

For help with using this calculator, here’s our Using our BTL affordability calculator guide. For more detailed information on how our BTL affordability calculation works, download our Guide to Calculating Affordability.

There were problems with some of the values entered below. Please review the fields highlighted in red.

Your client’s new BTL mortgage requirements – subject property


Other buy to let mortgages (including mortgages on a permission to let) – excludes subject property


Applicant one – income and commitments

Personal earned income

Personal income (other)

Rental income from other existing buy to let(s) – excludes subject property

Current commitments

Other residential mortgages – on completion