Welcome to UX Mortgages new buy to let affordability calculator.

UX Mortgages criteria requires the applicant (landlord) to demonstrate that they are able to meet 100% of the mortgage payment (interest only) of the initial pay rate. UX Mortgages will firstly consider the rental income from the letting of the property on an AST (minimum 6 months).

UX Mortgages will then allow any deficit in the rental cover to be satisfied, using the calculator below. The calculator will determine affordability, from the applicants (landlords) earned income. Please note this will be on a status basis only.

Monthly rental income:
Mortgage required:
Revert rate:
Monthly deficit:
Please note: If the monthly deficit is zero then case is fully covered by rental income. Please proceed. If the monthly deficit is greater than zero please complete the following:
Annual gross earnings:
Monthly residential mortgage payment/rent:
Monthly commitments:
Monthly credit card commitments:
Total annual debt:
Debt to income ratio:

If the debt to income ratio is equal to or less than 45% please proceed. UX Mortgages will require the following:

• Last 2 months payslips/employer’s reference or accountant’s reference
• Lenders reference on residential property
• Schedule of unsecured commitments/debts e.g. credit cards and loans
• Please note UX Mortgages will verify the rental income with the valuer
• In the case of a remortgage please provide a copy of the current AST