Buy to Let Calculator

Calculate your Debt Service Coverage Ratio (DSCR) to give you an indication of the amount we are willing to lend.

Product Guide

Applicant Type

What type of mortgage will it be?

Is any applicant a higher rate tax payer?

Is the property a House in Multiple Occupation?

Is the property a Multi-Unit Block?

DSCR

To find out how much your customer could borrow, if their existing portfolio is acceptable and whether we can improve on this DSCR figure using top-up income.

Full BTL Calculator

Applicant Type

Customer Name Company Name

Number of applicants

Residential home owner? All residential home owners?

What will the mortgage term be?

Years

What type of mortgage will it be?

Estimated Monthly Rental Income

What type of repayment will it be?

What is the Purchase Price/Property Value?

How much are you looking to borrow?

How much are you looking to borrow as Interest Only?

Your loan to value will be?

What is the initial pay rate of the product?

What fixed rate period is required?

What is the interest reversion rate of the product?

Is there an existing Buy to Let portfolio?

Total number of properties

Total number of mortgaged properties

Total Combined Monthly Rental income

Total Combined Monthly Mortgage Payment

Estimated Value of properties

Outstanding Mortgage and other Secured loan balances

Do you know the property details?

Property Region

Property District

Property Postcode

Approximate year of construction

What proportion of the rent do you pay to your letting agent?

Does your letting agent provide a void guarantee?

Is the property a House in Multiple Occupation?

Is the property a Multi-Unit Block?

What proportion of the property will be owned by applicant 1?

Total current annual income (app 1)

Total current annual income (app 2)

Postcode of main residence (app 1)

Buy to Let Results

The maximum we may lend you is (including fees)

For higher rate tax payers, we take personal income and expenditure into account when considering the maximum loan available.
If the applicant has active personal credit, a Decision in Principle is required to obtain an exact figure.

Lending Criteria Product Guide Download as PDF

Key Information

Term:

Years
LTV:

%
Loan amount requested:

£

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New enquiries

0800 111 020

Existing cases

03444 99 00 11

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New to Kensington?

You can submit your client's mortgage application by registering your company using our online portal.