Our mortgage affordability calculator assists you with deciding the amount you can borrow in relation to your pay. It has to be noted, joint borrowers are likely to receive higher loans due to the combined income being more than single borrowers. Please use our mortgage calculator for a more accurate figure. In any case, mortgage affordability is affected by a variety of factors. These include your credit history, monthly outgoings, deposit and it varies from lender to lender. Our mortgage borrowing calculator will estimate how much you may be able to borrow. However, you must ensure that you can afford the monthly repayments not only now, but in the future. For more information, contact our team for free mortgage advice. They can go over your situation with you and give you a more accurate estimate of your mortgage loan eligibility.

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Rental income

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You can borrow

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Next see how much you can borrow & the deals you qualify for

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About your borrowing ability

The amount you can borrow on a Buy to Let mortgage is mainly based on the monthly rental you are getting or are likely to get.

Please input the rental amount into our calculator to work out approximately how much you can borrow.

How much you can borrow with rental income also depends on these additional factors:

Your monthly expenditure
Your income (including basic salary, bonus)
The amount of deposit you have
Your age and whether you are looking to borrow beyond your retirement date
If you are a self employed
The lender from whom you are applying from
Number of applicants

Lenders are one of the most important factors in determining how much you can borrow. Each lender has various criteria and as brokers we are continuously placing our clients with the perfect lenders.

What if I need to borrow more?

Sometimes you might need to borrow more money than the calculator on our website shows you. We can arrange higher borrowing by taking your own individual circumstances into account.

want to tell you that…

Your home may be repossessed if you do not keep up repayments on your mortgage. There may be a fee for mortgage advice. The actual amount you pay will depend upon your circumstances. The fee is up to 1.5%, but a typical fee is 0.3% of the amount borrowed.

Expert Mortgage Brokers is a trading name of LQ Property and finance ltd, which is authorized and regulated by the Financial Conduct Authority. Expert Mortgage Brokers, FCA- 758816. Registered Office: 162 Goodmayes lane, Ilford, Essex, IG3 9PR, London. Registered in England (10344069). Tel Number: +44 (0)207 183 1119
Expert Mortgage Brokers is a credit broker and not a lender. We source finance from a whole panel of lenders.
Please note that commission may vary dependent on the lender.

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