Buy to Let Mortgage Calculator – Raise 60% extra

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Buy to Let Mortgage Calculator letting you down?

The biggest problem for most landlords in today’s lending market is increasingly aggressive affordability calculations for maximum buy to let lending.

The solution – our specialist lending sources run a Buy to Let Mortgage Calculator that can advance you up to 60% more than a standard mortgage lender will offer.

Typical Buy to Let Mortgage Calculator

  • £1,000 per month rental income supports £150,740 lending

Lending based on rate of 5.5% with 145% stress margin

Buy to Let Mortgage Calculator from our specialist lending sources

  • £1,000 per month rental income supports £240,000 lending

Lending based on rate 4.00% with 125% stress margin

Result – a 60% mark up in your Buy to Let Mortgage Calculator Maximum Lending

Buy to Let Mortgage Calculator Example | South East

  • Property value £500,000
  • Monthly Rental £1,500

Typical Buy to Let Mortgage Calculator result

  • £225,705 = 45% loan to value

Maximum Buy to Let Mortgage Calculator result through our lending sources

  • £375,000 = 75% loan to value

Buy to Let Mortgage Calculator and Top Slicing

The majority of the buy to let mortgage market will calculate your maximum mortgage lending based on rental potential of the property. If the rental income does not make the calculation on the Buy to Let Mortgage Calculator of the particular lender, nothing else can be done.

There are some Buy to Let Mortgage Lenders however, that will run a calculation for maximum affordability that can include your earned income.

This can prove to provide a good outcome from the Buy to Let Mortgage Calculator from these Lenders.

Minimum Earned Income

The vast majority of buy to let mortgage lenders will have a minimum income that the borrower will need to be earning to be considered for any mortgage lending. That minimum is typically £25,000 per annum.

Speak to our team if your earned income is below this, as there are a number of Lenders than will work with earned income below £25,000, or indeed, will include unearned income in the affordability figure.

Further information on Buy to Let Mortgages

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