Limited company buy-to-let tools
Limited company buy-to-let calculator
Yes, you can get a sense of what a limited company could borrow on a buy-to-let in a few seconds. Enter the monthly rent below, and this tool shows an indicative borrowing range from the rental income test that limited company lenders use.
Company buy-to-let is sized on the rent first, at 125% cover, then capped by your deposit. The figure moves with the stress rate a lender applies, so this shows a range across a 5-year fixed and a shorter-term product, with an optional 75% loan to value cross-check. Lenders write this to a special purpose vehicle (SPV), and our guide to SPV mortgages explains how to set the company up.
Optional. Add it to cross-check the rent-based figure against the 75% LTV cap.
This tool uses an illustrative basis: 125% rental cover, stress rates of 5.5% for a 5-year fixed and 7% for a shorter-term or variable product, and a 75% maximum loan to value. Lenders set their own figures.
Your indicative borrowing range
Enter your rent above
Top slicing, where surplus personal or portfolio income is used to cover a rental shortfall, can lift these figures with lenders that allow it.
Figures are illustrative. ICR, stress rates and maximum LTV vary by lender and product. Your actual borrowing depends on the lender's assessment and your full circumstances.
These figures are illustrative only. They are not a quote, offer or advice. Actual borrowing is subject to full lender assessment and status.
See what a lender would really lend your company
Check Your EligibilityThink carefully before securing your debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.