Mortgage Borrowing Calculator
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.
How Much You Can Borrow With My Rental Income?
Enter the values above to calculate how much you can borrow
Next see how much you can borrow & the deals you qualify for

You can borrow
£ 0
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.