Buy to Let Affordability

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Buy to Let Maximum Loan Calculator

Want to know how much we could lend your customer(s) on a Buy to Let property without logging into the Vida Application System for a DIP?

Please ensure ALL fields are completed with the correct information in order to provide a quick and accurate result.

The results given by the calculator are indicative only and will be subject to a full application, credit check and rental verification

Important information

Minimum loan size £50,000
The exact amount your customer(s) can borrow will depend upon the loan to value and satisfactory credit reference check
These details are provided for information only and do not, in any way, bind Vida Homeloans to offer a mortgage for your customer
Applications are subject to loan to value restrictions, standard lending criteria and all loans are subject to status
A Mortgage Illustration showing all of the costs involved in taking out a loan, can be produced online once a DIP has been completed.

{{ vm.numberOfFieldsInError(mainForm) }} error(s) to correct before you can continue, please complete all of the fields highlighted below.

EditApplicant details

Does the Applicant(s) own 4 or more Buy To Let properties?

Is your Applicant an Ex-Pat?

Is your Applicant a First Time Landlord?

*Please note maximum loan is £500,000 upto 75% LTV

*Evidence of UK tax liability must be provided

Is your application an individual or limited company (SPV)?

Is your Applicant a Basic Rate Tax Payer or Higher Rate Tax Payer?

What do you want to calculate?

EditMORTGAGE DETAILS

What is the current or estimated rental income amount?

PCM

Please specify rental income ammount

Loan amount required including any added Product Fee

Please enter a value less than £2,000,000

Please specify required loan amount

Please enter a value less than £2,000,000

Repayment method required

Total Mortgage Term Duration

Years

Maximum 45 years

Months

Maximum 11 months

Is your Applicant adding the Product Fees to the loan?

Initial Rate Term

Initial Product Rate

Please specify an initial product rate

If top-up is required, do you want to top up from surplus personal income?

We are pleased to inform you that based on the information provided we could lend the following:

	Basic Rate Tax Payer / Limited Company	Higher Rate Tax Payer
Maximum loan could lend (including any product fees to be added) is:	{{vm.outcome.maximumLoanBasicRate}}	{{vm.outcome.maximumLoanHighRate}}
Please see the individual product details to calculate the fee.
The indicative monthly mortgage payment is:	{{vm.outcome.indicativeMonthlyPaymentLoanBasicRate}}	{{vm.outcome.indicativeMonthlyPaymentLoanHighRate}}

We are pleased to inform you that based on the information provided we could lend the following:

	Basic Rate Tax Payer / Limited Company	Higher Rate Tax Payer
Vida requires a minimum rental income of:	{{vm.outcome.rentalRequiredBasicRate}}	{{vm.outcome.rentalRequiredHighRate}}
If using top up, minimum rental income required is:	{{vm.outcome.rentalRequiredNoTopUpBasicRate}}	{{vm.outcome.rentalRequiredNoTopUpHighRate}}
Maximum top up amount allowed is:	{{vm.outcome.topUpRequiredBasicRate}}	{{vm.outcome.topUpRequiredHighRate}}
The indicative monthly mortgage payment is:	{{vm.outcome.indicativeMonthlyPaymentRentalBasicRate}}	{{vm.outcome.indicativeMonthlyPaymentRentalHighRate}}

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Important

The figures detailed above are an illustrative figure for your information and does not represent a commitment to lend the quoted amount.

Vida Homeloans only accepts mortgage applications from intermediaries. It is the responsibility of the intermediary to ensure that all applicable law is complied with including, without limitation, the provision of adequate explanations.

The results shown are indicative only, based on the specific information that you have supplied about your customer(s). The actual amount we are prepared to lend to your customer(s) is subject to a satisfactory credit reference check, confirmation of their income and expenditure (If required) and confirmation of the value and suitability of the property offered as security. These results are based on the accuracy of the information provided.

Please note that restrictions may apply to the amount we will be prepared to lend to your customer(s) based on the type of application and product chosen (e.g. different LTV or credit tiers have differing maximum loan amounts). You will need to check our lending criteria to make sure your customer(s) is eligible for the amount they wish to borrow. If any of the details you have supplied change, the amount we would be prepared to lend may also change.

These details are provided for information only and do not bind Vida Homeloans to offer a mortgage to your customer(s).

Tax advice should be sought where required for investment purposes.