Buy to Let Calculator

Buy to Let Calculator

Find answers to key correct affordability results on our help page.

Step 1 - ICR calculation

• For a Buy to Let ICR mortgage, you only need to complete Step 1.

Step 2 - Top Slicing calculation

• To see how much more your client could borrow on a Top Slicing mortgage, please enter their details in both Steps 1 and 2.

Things to consider:

• The results are based on your client’s personal income, financial commitments and the rental income of the Buy to Let property being mortgaged
• During the application process we’ll ask for a more detailed breakdown of their income and outgoings, which could change the amount we can lend
• If your client is a contractor, please enter 80% of their annualised gross contracting income, in line with our lending criteria
• The minimum BTL property value is £100,000
• Maximum portfolio size of 3 UK Buy to Let mortgaged properties per applicant (either solely or jointly) across all lenders, including Bank of Ireland Group. Properties that are owned in the name of a limited company which an applicant is a director of, and applications in progress, should also be included
• We don’t offer limited company Buy to Lets.

This calculator provides an indication only. It’s not a legally binding mortgage Offer and places Bank of Ireland UK at no obligation to provide your client with a mortgage. All applications must meet our lending criteria and are subject to assessment. The amount your client could borrow may be less once we’ve made this assessment.