What rental coverage do lenders need?

Most lenders require rent to cover at least 125–145% of the interest-only mortgage payment at a stress rate (typically 5.5%). Higher rate taxpayers may need higher coverage.

What is a good rental yield?

Yields vary by location, but generally 5%+ gross yield is considered reasonable for buy to let. Some investors prioritise capital growth over yield.

Buy to Let Rental Calculator

Calculate gross rental yield and rental coverage ratio for your buy to let investment.

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Frequently Asked Questions

Looking at Buy to Let?

Our specialist BTL team arranges mortgages for all types of rental property — including limited company, HMO and portfolio.

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