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Intermediary use only

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As part of the industry wide change issued by the Royal Institution of Chartered Surveyors (RICS), we’ll no longer be offering HomeBuyer reports and building surveys after 18 February. After 18 February, we’ll only be offering standard valuation reports. If you have any questions about the impact of these changes, please contact your BDM today.

Buy to Let Calculator

See how much your client could borrow on a Buy to Let ICR and Top Slicing mortgage.

Help using the calculator

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Using our Buy to Let calculator

Step 1 - ICR calculation

  • For a Buy to Let ICR mortgage, you only need to complete step 1.

Step 2 - Top slicing calculation

  • To see how much more your client could borrow on a Top Slicing mortgage, please enter their details in both steps 1 and 2.

See our Buy to Let calculator help page for more tips.

Things to consider:

  • The results are based on your client’s 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, which could change the amount we can lend
  • If your client is a contractor, please enter 80% of their annualised gross contracting income, in line with our lending criteria
  • The minimum BTL property value is £100,000
  • Maximum portfolio size of 3 Buy to Let mortgaged properties per applicant (either solely or jointly) across all lenders, including Bank of Ireland Group
  • We don’t offer limited company Buy to Lets.
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This calculator provides an indication only. It’s not a legally binding mortgage Offer and places Bank of Ireland UK at no obligation to provide your client with a mortgage. All applications must meet our lending criteria and are subject to assessment. The amount your client could borrow may be less once we’ve made this assessment.

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