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How much can I borrow?

Use our calculator below to get started with your property investment plans

Find out how much you can borrow

Use our calculator below to get started with your property investment plans.

Using our
calculator

Our calculator serves as a guide based on current market conditions. The results are based on how much rental income you will earn from a property, so it’s important to have a realistic idea of these for the most accurate results. Each lender has its own affordability assessments that decide how much you can borrow. 

To calculate whether a property’s rental income will cover your mortgage repayments, lenders use RTI (Rent to Income) calculations. They will also want to see that you are left with surplus funds available to cover any property maintenance costs or financial emergencies. 

Typically, lenders have set RTI calculations of 145% for Limited Companies and 125% for individuals, stress-tested at a lender's payrate or nominal rate. However, each lender will set its own calculations, so it’s best to discuss your options with a broker. 

 

What if I need to borrow more? 

Our calculator should be used as a guide only. For the most accurate results, speak to one of our expert mortgage brokers.

Talk to an expert

Have all the facts and figures you need to purchase or remortgage your home? Our experts will make the whole process easier for you! Give us a call or choose a convenient time for us to call you. Drop us an email or chat with a human on our live chat.



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