Available Loan Estimator

BTL - Gross Loan Amount (ICR based)

Fixed Term Product (years)

Loan Type

Taxpayer Type

Mortgage Term (years)

Interest Rate (% p.a.) — product rate

Enter the product fixed rate (eg 5.50)

Base Interest Rate (Bank of England Bank Rate) %

Base Rate prefilled from the Bank of England as checked by this tool.

Monthly Rental Income (£)

Notes:

Calculation uses an ICR-based affordability model (no property value / LTV supplied). If you want LTV limits, add property value input and max LTV and we’ll take the min of ICR and LTV caps.
ICR assumptions are configurable in the script. By default: Basic & Company = 125% cover; Higher/Additional = 145% cover. Stress rate = max(product rate, BankRate + 5.0%, 5.5%).

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