Maximum BTL Loan Calculator

Check your maximum Buy to Let mortgage amount

How do BTL lenders calculate the maximum loan?

BTL lenders use an Interest Coverage Ratio (ICR) — rent must cover the interest payment by a set percentage (typically 125–145%). Calculations are done at a stress rate (usually rate + 2% or minimum 5.5%). This calculator shows the maximum loan based on these rules.

Parameters

£1,200
5.5%
125%

Typically 125% or 145% for higher rate taxpayers

75%

Typically 75% for BTL

£250,000

Stress rate: 7.5% (rate + 2%, min. 5.5%)

Results

Maximum BTL loan
£153,600
at 75% LTV and 125% ICR
ICR limit£153,600
LTV limit (75%)£187,500
Minimum deposit required£96,400
Minimum deposit (%)38.6%
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