Buy-to-Let Rental Income Calculator
Please note this is a broad guide only and is based on a 125% stress test assumption. Buy to let affordability and eligibility will always depend on your individual circumstances, including your income profile, credit position and the property itself. We recommend speaking with one of our advisers for guidance tailored to your situation before making any commitments.
This is not a formal quotation under the Consumer Credit Act. All figures are subject to full underwriting, including verification of income, credit assessment and a satisfactory property valuation.
Buy-to-Let Rental Income Calculator
The minimum rent requirement:
Lenders use a stress test to ensure rental income comfortably covers mortgage payments.
Formula:
Minimum Rent = (Loan Amount × Stress Rate × Rental Coverage) ÷ 12
Example:
Loan £200,000 × 5.5% × 125% ÷ 12 = £1,145/month
Review Your Buy-to-Let Projections with a Property Finance Specialist
Used our Buy-to-Let Rental Income Calculator? Leave your details and one of our specialists will contact you to assess projected rental income, expenses, financing structure and overall return strategy.
While the calculator provides an estimate of potential earnings and monthly performance, personalised advice ensures your buy-to-let investment is aligned with lending criteria, tax considerations and long-term portfolio objectives.