Buy to Let Calculator
Final Results
Final Results
Below is a summary of the information provided:
- Is this for a LTD company:
- What rate of tax do you pay:
- Required Loan Amount:
- Monthly Rental Income:
- Product:
- Repayment Type:
- Term:
Maximum available on 2 year:
Maximum available on 5 year:
Based on the information provided please find details above on what your client(s) could borrow with us.
As we manually underwrite all applications and consider each case on its merits there may be times where we will lend more or less than the figure stated below. To find out exactly what your client(s) could borrow please login/register to submit a dip.
If you see an N/A within the Maximum Loan Size box this is because we don't currently offer a rate for that Product/LTV.
If you have any questions, call our sales team on 03333 701 101 Option 1, Monday to Friday between 9am and 5pm.
Welcome
Our Buy to Let Mortgage Calculator will help to give you an indication of how much we could lend your client(s). What's more it should take less than a minute to complete.
We'll show you the maximum amount your client could borrow on both a 2 and 5 year product without the need to look up the rates. Simply select the tier they fit.
We'll use the details you enter to automatically calculate the loan size required, but this does not take into account any fees. If your client is looking to raise capital or consolidate debts please increase the purchase price for purchases or the loan required value for a remortgage to reflect this. If they don't currently have a mortgage but already own the property and are looking to refinance, please select Remortgage. We allow capital raising for most legal purposes.
We have a maximum loan size of £2m for cases below 65% LTV, £1.5m for cases between 65% and 70% LTV, £1m for cases between 70% and 75% LTV, and up to £750,000 for cases between 75% and 80% LTV. We only accept BTL properties with an EPC rating of A - E. For A-C rated properties our maximum LTV is 80%, for D rated this is 75%, and for E rated this is 70%.
We assess affordability based on the monthly rental income for the property being assessed.
If you have any questions, give our sales team a call on 03333 701 101, Option 1, Monday to Friday between 9am and 5pm.
Pepper 12
For clients who haven't had a CCJ or default in the last 12 months.
0 in 12 months
0 in 12 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 18
For clients who haven't had a CCJ or default in the last 18 months.
0 in 18 months
0 in 18 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 24
For clients who haven't had a CCJ or default in the last 24 months.
0 in 24 months
0 in 24 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 36
For clients who haven't had a CCJ or default in the last 36 months.
0 in 36 months
0 in 36 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
Pepper 48
For clients who haven't had a CCJ or default in the last 48 months.
0 in 48 months
0 in 48 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
Pepper 12 Light
For clients who haven't had a default in the last 12 months.
0
0 in 12 months
0 in 12 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 18 Light
For clients who haven't had a default in the last 18 months.
0
0 in 18 months
0 in 18 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 24 Light
For clients who haven't had a default in the last 24 months.
0
0 in 24 months
0 in 24 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
We will ignore 2 individual defaults (per application) up to and including £150 each where these defaults relate to utilities, communications or mail order providers
Pepper 36 Light
For clients who haven't had a default in the last 36 months.
0
0 in 36 months
0 in 36 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
Pepper 48 Light
For clients who haven't had a default in the last 48 months.
0
0 in 48 months
0 in 48 months (No arrears balance in last 6 months)
Fixed term - None in the last 6 months
Revolving credit - Missed payments considered
Important notice
These results are indicative and are meant to be used as a guide only. Should you wish to submit a DIP, it'll be subject to our full lending criteria, a credit check and an underwriter review which could result
in a different value.
Please note by changing the loan amount figure you may change the loan to value. This may change the interest rate charged. If you're going to change any details we strongly recommend you start a new calculation
to ensure it is as accurate as possible.
If you'd like to submit this, or any other case, you'll need to have registered with us. it's a quick and simple process and shouldn't take
more than 5 minutes.
If you've already registered, please Login and complete our online application form.
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