Buy-to-Let Calculator – Estimate Borrowing in Bristol & Bath
Looking to invest in a rental property? Our Buy-to-Let Mortgage Calculator helps you estimate how much you could borrow based on the expected rental income of the property.
Whether you're a first-time landlord or expanding your portfolio, we support clients across Bristol, Bath, and surrounding areas with expert advice and simple tools to guide your property investment journey.
How Buy-to-Let Borrowing Works
Unlike residential mortgages, buy-to-let lending is based primarily on the property’s expected rental income — not your personal salary. Lenders apply a stress test to ensure the rent covers the mortgage and any potential interest rate rises.
Typical stress tests require the rent to exceed the monthly mortgage payment by 125%–145%, depending on the lender.
Speak to an Adviser if you’re unsure how this affects you.
Deposit Requirements
Buy-to-let mortgages usually require larger deposits than standard residential mortgages.
Typical Deposit Levels
- 25% – Standard requirement from most mainstream lenders
- 20% – Accepted by some specialist lenders with strong cases
- 15% – Available through select lenders for experienced landlords
A larger deposit can improve your chances of approval and open access to more competitive interest rates.
What is Top Slicing?
If the expected rent doesn’t quite meet the stress test requirements, some lenders allow the use of top slicing — where your personal income is considered to make up the shortfall.
This is especially useful for:
- High earners looking to invest
- Lower-yielding properties in desirable areas
- Portfolio landlords expanding into tighter rental markets
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Ask Us About Top Slicing to see if it applies to you.
How to Use the Calculator
To get an estimate, simply enter:
- Expected monthly rental income
- Deposit amount or percentage
- Interest rate and term (if required)
The calculator will give you an idea of the maximum mortgage amount you could be eligible for.
Who Should Use This Tool?
This calculator is ideal for:
- First-time landlords
- Existing landlords expanding their portfolio
- Homeowners switching to let-to-buy
- Investors buying in cash but comparing mortgage leverage
Whether you're purchasing in Bristol, Bath, Portishead, or Weston-super-Mare, this tool helps you plan with confidence.
Book a Buy-to-Let Consultation for tailored advice.
Common Questions About Buy-to-Let Borrowing
Contact Us Today if you have more questions or need expert guidance.
Local Landlord Mortgage Advice
We help landlords across:
- Bristol (Bedminster, Southville, Bishopston, Clifton)
- Bath
- Portishead
- Clevedon
- Weston-super-Mare
- North Somerset
- Gloucestershire
- Exeter
Contact Us Today to discuss your next property investment.
Plan Your Investment with Confidence
Whether you’re buying your first rental property or adding to your portfolio, understanding your borrowing power is key. Use our calculator to start your journey, then speak to us for bespoke advice.
YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Some buy to let and let to buy mortgages are not regulated by the Financial Conduct Authority
