Minimum rental income coverage

Our Buy to Let affordability can be calculated using the below figures:

Self-employed and experience landlords

  • Basic rate taxpayers: 125% at a reference rate of 5.5%
  • Higher rate taxpayers: 130% at a reference rate of 5.5%

First time landlords

  • Basic rate taxpayers: 140% at a reference rate of 5.5%
  • Higher rate taxpayers: 145% at a reference rate of 5.5%