Calculators
The limited company mortgage calculator suite: seven tools, built the way SPV lenders underwrite.
Every number a company buy-to-let case turns on, the tax comparison against personal ownership, the 125% interest coverage ratio, the stamp duty surcharge, the yield, is modelled here for free. Run your figures first, then talk to a broker who can tell you which lender on the 100+ panel will accept them.
Pick the calculation your company case turns on
Start with the limited company vs personal comparison if you are deciding on structure, or the SPV stress test if you already know the property and want the maximum loan.
Limited company vs personal tax calculator
Section 24 personal ownership against an SPV with corporation tax, over five and ten years.
Open →
SPV stress test and ICR calculator
Maximum company loan at the 125% limited company ICR, with personal-name profiles for comparison.
Open →
Limited company stamp duty calculator
SDLT, LBTT and LTT with the company surcharge applied, no first-time-buyer relief assumed.
Open →
Rental yield calculator
Gross and net yield on a company-held property, the first number every SPV lender sanity-checks.
Open →
Portfolio LTV and ICR calculator
Aggregate LTV, weighted ICR and top-up capacity for a company portfolio of four or more.
Open →
Refurb-to-let ROI calculator
Cash left in the deal and refinance proceeds on a company refurb-to-rent project.
Open →
Bridge-to-let cost calculator
Total cost of a company bridge plus the exit the term mortgage needs to cover.
Open →
Why these tools
What an SPV mortgage calculator has to model differently
A generic buy-to-let mortgage calculator misses the three things that define a company case. The affordability test is different: SPV borrowers are assessed at a 125% interest coverage ratio where higher-rate personal borrowers face 145%, so the same rent supports more debt inside the company. The tax is different: full mortgage interest deductibility and corporation tax inside the company against Section 24's restricted 20% credit outside it, which is the whole argument for incorporating. And the purchase costs are different: companies pay the stamp duty surcharge on every residential purchase, with no first-time-buyer relief, ever. Each calculator here builds those company-specific rules in, so the outputs match the conversation you will actually have with an underwriter.
The product detail behind the numbers lives on the limited company buy-to-let mortgages hub, and the tax mechanics are unpacked in our limited company buy-to-let tax guide.
From numbers to lender
What happens after the calculation?
The calculators give you the market-standard answer; the lender gives you theirs. Stress rates, ICR thresholds, loan-to-value ceilings and fee structures vary across the 100+ panel, and several of the strongest company lenders are intermediary-only, so their criteria never appear on a comparison site. When your numbers look workable, a 15-minute fee-free call is enough for us to run the case across the panel and tell you which lenders will accept it, and at what total cost over the deal term.
Limited company calculator questions
How much can a limited company borrow for a mortgage?
The rent decides it, not the company's income. Lenders stress the rental income at a notional rate, typically 5.5%, against the 125% limited company interest coverage ratio, then cap the loan at the lender's maximum loan to value, usually 75%. Because the company ICR is 125% rather than the 145% applied to higher-rate personal borrowers, the same rent supports meaningfully more borrowing inside an SPV. Our stress test calculator runs the exact arithmetic on your figures.
Can a limited company get a 100% mortgage?
No. Limited company buy-to-let lending tops out at around 75% loan to value across most of the panel, with a handful of lenders stretching to 80% at a rate premium. The company needs the remaining deposit, which usually enters as a documented director's loan, plus stamp duty including the company surcharge and the transaction costs on top.
Is it easy to get a mortgage through a limited company?
For a clean SPV with property-only SIC codes, yes, broadly as straightforward as a personal application, and a brand-new company with no accounts is fine. The assessment rests on the directors, their personal guarantees, the deposit provenance and the rental cover. What makes company cases stall is packaging: the certificate of incorporation, shareholding, SIC codes and deposit trail need to arrive the way each lender expects, which is the part we handle.
How much deposit do I need for a limited company mortgage?
Plan on 25% of the purchase price, since most company lenders cap lending at 75% loan to value. On top of that, budget for stamp duty with the surcharge companies pay on every residential purchase, valuation and legal costs. The deposit normally enters the company as a director's loan, repayable to you tax-free as the company builds cash.
How accurate are these calculators?
Each one uses the standard market arithmetic: the 125% company ICR and typical 5.5% stress rate, current corporation tax bands, Section 24's basic-rate credit, and the published SDLT, LBTT and LTT schedules. They are illustrative rather than a quote, because every lender sets its own criteria and pricing. When you want lender-specific numbers, the initial consultation is fee-free.
Enquiry
Turn the numbers into a lender decision
Same-business-day callback. Whole-of-market access to 100+ limited company lenders. Initial consultation fee-free.
- →Whole-of-market panel: 100+ lenders with limited company appetite.
- →Same-business-day callback during office hours.
- →Initial consultation always fee-free.