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Buy to Let calculator

How much could your customer borrow with a Buy to Let mortgage from Post Office?

Need help with our Buy to Let calculator?

Click here to read the help page with handy tips for each section.

Find out more

We've updated our Buy to Let calculator so you can now compare what your customer can borrow on an ICR and a Top Slicing mortgage. The results are based on their personal income, financial commitments and the rental income of the Buy to Let property being mortgaged. 

During the application process we’ll ask for a more detailed breakdown of their income and outgoings, this could change the amount we lend. 

When using the calculator for contractors, please enter 80% of the annualised gross contracting income, in line with our lending criteria.

Need help completing the calculator? Read our Buy to Let calculator help page.

  • Step 1 - ICR calculation

If you're looking for a simple ICR result then you only need to complete this first step. 

  • Step 2 - Top Slicing calculation

To get a result for a Top Slicing mortgage, enter your customer's details in both steps 1 and 2 to compare how much more they could borrow. 

*Required

Step 1 - ICR calculation

New Buy to Let details


Step 2 - Top Slicing calculation

Applicant information and finances

Residential mortgage details

Existing Buy to Let properties

Reference number

* The minimum household income for a Buy to Let Top Slicing mortgage is £40,000.

Please refer to loan size and LTV limits. We will not normally lend to applicants who currently have unsecured debt which exceeds half their gross annual assessable income, even if it’ll be repaid in whole, or part, before completion. We’ll exclude student debt from this calculation.

This calculator provides an indication only. It is not a legally binding mortgage offer and places Bank of Ireland UK at no obligation to provide your customer with a mortgage. All applications must meet our lending criteria and are subject to assessment. The amount your customer could borrow may be less than displayed following this assessment.

We've updated our Buy to Let calculator so you can now compare what your customer can borrow on an ICR and a Top Slicing mortgage. The results are based on their personal income, financial commitments and the rental income of the Buy to Let property being mortgaged. 

During the application process we’ll ask for a more detailed breakdown of their income and outgoings, this could change the amount we lend. 

When using the calculator for contractors, please enter 80% of the annualised gross contracting income, in line with our lending criteria.

Need help completing the calculator? Read our Buy to Let calculator help page.

  • Step 1 - ICR calculation

If you're looking for a simple ICR result then you only need to complete this first step. 

  • Step 2 - Top Slicing calculation

To get a result for a Top Slicing mortgage, enter your customer's details in both steps 1 and 2 to compare how much more they could borrow. 

Need help with our Buy to Let calculator?

Click here to read the help page with handy tips for each section.

Find out more

Changes to our criteria

Close

We’ve made some temporary changes to our criteria, so we can continue to lend responsibly. Please see our Covid-19 page for more details.