Calculators · Buy-to-let
Limited company buy-to-let calculator
See roughly how much a lender may let a limited company borrow against a rental property, based on the rent, the lender's stress test and loan to value, plus the monthly payment.
Estimated borrowing
- Maximum by rent (stress test)
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- Maximum by loan to value
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- Loan used below
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- Loan to value
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- Deposit / equity needed
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- Monthly payment
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- Rent left after the mortgage
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Illustration only, not an offer of finance. Lenders also look at the company, its directors, the property type and their own criteria. Fees and stamp duty are not included.
How lenders size a buy-to-let loan
Buy-to-let lenders cap the loan in two ways and use whichever is lower:
- Rental cover. The annual rent must cover the annual interest by a set margin, usually 125% for limited companies, calculated at a stress-test rate rather than the rate you pay. That is the "maximum by rent" figure.
- Loan to value. Most lenders lend up to 75% of value, some to 80% or 85% at higher rates.
Five-year fixes are often tested at the actual pay rate, which is why they can unlock more borrowing than a two-year deal. Our guide to limited company buy-to-let and the 2027 tax changes covers structure and the points lenders check, and the buy-to-let page sets out what we arrange.
Next step
Send us the property, the rent and the company details and we'll come back with real terms rather than estimates.
Illustrative figures only, not tax or financial advice. Avantigo Capital Ltd is not authorised or regulated by the Financial Conduct Authority and arranges only unregulated bridging loans, commercial mortgages and buy-to-let mortgages for limited companies and other corporate borrowers. Buy-to-let mortgages for individuals are referred, with your consent, to an FCA-authorised firm. Your property may be repossessed if you do not keep up repayments on a loan secured on it.