Buy to Let

For investment properties, including second homes without selling your current residence. See how rental income, deposit, and income limits affect your borrowing capacity.

How Much Can I Borrow?

For investment or second properties without selling your current home. Enter your deposit, income, and expected rental income.

Application Type

Gross Annual Salary

Date of Birth

Buy-to-let mortgages are assessed primarily on rental income, but lenders may also apply LTI limits. Lenders can exceed limits for 10% of their BTL lending.

Available Deposit

Central Bank requires minimum 30% deposit for buy-to-let.

Expected Monthly Rent

Research comparable rental properties in the area.

Maximum Mortgage Term

Based on a maximum age of 68 at the end of term. Some lenders may extend to age 70.

Expected BER Rating

Property Type