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Lenders Offering the Best Rental Calculations for Highest Loans

Best DSCR (Debt Service Cover Ratio) for Landlord Mortgages

The rates published on this page are currently the best in the market for buy to let products offering the most generous rental calculation. Rental stress tests can make a big difference to the amount applicants may actually borrow based on the rental income generated by the property.

Top Lenders for Max Borrowing

Best rental calculations by Lender

Maximum Lending for Rent



Precise Mortgages


Axis Bank


Fleet Mortgages


Foundation Home Loans


Saffron B.Soc


Kent Reliance B.Soc


Landlord Mortgages – Debt Service Cover Ratio

The debt service coverage ratio (DSCR), also known as “debt coverage ratio,” (DCR) is the ratio lenders use to calculate the maximum amount of mortgage advance available. This is calculated based on the mortgage interest payment charged by the lender for the given mortgage product, serviced by the rental income produced by the security property.

Rental Stress Tests: Most buy to let lenders will use a notional 5% mortgage interest to calculate the monthly interest payment which must be serviced by the rental income by a factor of 125%. This ensures the rental income for the property is sufficiently strong to support the level of borrowing being requested.






Product Type

Precise Mortgages 70% 125% 3.67% Term Tracker
Aldermore 75% 125% 3.93% Term Tracker
Axis Bank 75% 125% 4.09% 5 Year Fixed
Fleet Mortgages 75% 125% 4.19% Life time tracker
Foundation Home Loans 75% 125% 4.39% 5 Year Fixed
Saffron B.Soc 75% 125% 4.69% 3 Year Discount
Saffron B.Soc 80% 125% 4.89% 3 Year Discount
Kent Reliance B.Soc 75% 130% 4.19% 5 Year Fixed
Kent Reliance B.Soc 80% 130% 4.59% 5 Year Fixed
Kent Reliance B.Soc 85% 130% 5.29% 5 Year Fixed