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Broker Help Desk 0345 850 5000
For the use of mortgage intermediaries & other professionals only. Cookie Policy
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Bank of England bank rate: 0.75%
Calculate the maximum amount of capital your client can borrow to purchase their property.
Remember, limits apply to all our Buy to Let products:
Visit our criteria page to find out more.
Please input appropriate values to produce your calculation results
Select the number of applicants on this mortgage application. Note that if there are more than 2 applicants, applicant 3 and applicant 4 will not be considered in the Maximum Loan Amount Calculation
Confirm whether application is for a new Buy To Let purchase, Buy To Let Remortgage, Let To Buy Remortgage or additional borrowing on an existing BM Solutions mortgaged property. For a Buy to Let Purchase or Let To Buy Remortgage application the anticipated rental income will automatically be included in the customer’s income for calculation purposes.
Scottish tax rates and income bands differ in Scotland to the rest of the UK. We will use the applicants main residence to determine the correct tax band for each applicant. Please select yes or no depending upon the location of the applicants current residential address.
Include all income from self employment (this should include profit from self-employment and dividends from UK companies), employment and pension
Include all income from self-employment (this should include profit from self-employment and dividends from UK companies), employment, pension and profit from UK land and property.
Include all annual profit from UK land and property declared on latest tax calculation/SA302. This should also be included in the total annual income box as part of a customer's total income.
Customer's share of total gross annual rental income from all existing let properties (excluding commercial and holiday lets). For Buy To Let Remortgage and Additional Borrowing applications please include the rent from the property being mortgaged. Do not include the rent from the property being mortgaged if this is a purchase or Let To Buy application.
Select product rate from current product range. Note if you change this after the Decision In Principle the maximum loan amount available may change.
Confirm whether product will be a 5 year fixed. Note that if a fixed rate product with less than 5 years is chosen later, this could reduce the maximum we will lend to you
Enter the maximum Loan to Value (LTV) the selected product rate allows
Enter the maximum LTV the selected product rate allows
For purchase applications enter the purchase price. For remortgage applications enter the estimated value of the property
For remortgage applications enter the current achieved rental income, as confirmed by current tenancy agreement. For purchase applications enter the anticipated rental income.
This calculator is for illustrative purposes only and is not a mortgage offer. Before agreeing a loan, a credit search and full application is required, and our lending requirements must be met.
All our products are SUBJECT TO AVAILABILITY and can be withdrawn at any time. A product is only available for further borrowing if it states this in the features box.
Your client's home may be repossessed if they do not keep up repayments on their loan. Whilst a fixed rate mortgage can give your client certainty around monthly payments, the Bank of England Bank Rate may go down as well as up. The value of your client's home may alter with market conditions so that the amount of the loan may exceed the value of the home.
For the use of mortgage intermediaries & other professionals only
If you do not have professional experience, you should not rely on the information contained on this site. If you are a professional and you reproduce any part of the information contained on this site, to be used with or to advise private clients, you must ensure it conforms to the Financial Conduct Authority's advising and selling rules.
These pages are for the use of those people who are resident and ordinarily resident in the UK and should not be regarded as an offer or invitation to sell Mortgage products in any jurisdiction other than the UK.
Birmingham Midshires is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered office; The Mound, Edinburgh, EH1 1YZ
Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register number 169628. Telephone number 0345 850 5000. Telephone calls may be monitored or recorded.