Buy to Let
Most buy to let mortgages are based on the rental income generated from the property, and lenders use that to calculate the maximum loan available. Use this quick calculator to get an idea of the typical amount you can borrow based on rental income. This is an indication only, and we do have alternative options available, so please speak with our team, who will be happy to assist.
Buy To Let
Rental Yield
Rental yield is a key property investment metric calculating the annual return on investment (ROI) generated by rental income, expressed as a percentage of the property’s total cost or market value. It is crucial for assessing profitability, comparing investment opportunities, and ensuring cash flow covers costs. Generally, a higher percentage indicates a more profitable, or "good" rental investment.
Residential Borrowing Capacity
We use your income and monthly expenses to calculate mortgage affordability. Results are computer-generated based on the information you enter. Lenders have their own criteria and will require more details, but you can use this as a rough estimate of mortgage affordability.
Stamp Duty
Stamp duty is a tax paid when you buy property or land, known as Stamp Duty Land Tax (SDLT) in England & Northern Ireland, Land & Buildings Transaction Tax (LBTT) in Scotland, and Land Transaction Tax (LTT) in Wales. The amount depends on property value, location, and if you're a first-time buyer or purchasing an additional property, with rates tiered by price bands. You pay it to HMRC (or devolved equivalents) within 14 days of purchase, often through your solicitor.