KentReliance for intermediaries

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Employment Income (primary)
 
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Annual gross basic salary

Bonus

Commission

Overtime

Allowance

Employment Income (secondary)
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Annual gross basic salary

Bonus

Commission

Overtime

Allowance

Self Employment Income (primary)
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Net profit in year 1 (latest)

Net profit in year 2

Net profit in year 3

Self Employment Income (secondary)
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Net profit in year 1 (latest)

Net profit in year 2

Net profit in year 3

Self Employed through limited company
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Input basic salary in employment income above
Dividend Income (latest)

Other Income
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Pension

Court order maintenance

Working tax credit

Child tax credit

Housing allowance

Investment income

Trust fund

Family allowance

Mobility allowance

Other income

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Income, Tax & NI
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Monthly salary sacrifice

Commitments
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Credit card balance

Monthly loan payments

Monthly maintenance payments

Monthly nursery/school fee payments

Monthly mail order payments

Rental / service charges

Residential 1st Charge Mortgage Details
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Repayment Method

Outstanding Balance

Term in months

Interest Rate (%)

Stress Rate (%)

Stressed First Charge CMI

Income Backed Buy to Let
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5 year fixed

Repayment Method

Loan Amount plus fee

Term in months

Interest Rate (%)

Used Rate (%)

Stressed BTL CMI

Applicant type

Product type





ICR Result

Monthly shortfall

Rental shortfall

Monthly Commitments
£
£
£
£

Total Monthly Commitments
£

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Expenses
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Number of applicants *
Please insert the number of applicants

Number of other adults *
Please insert the number of other adults

Number of dependent children *
Please insert the number of dependent children

Total monthly expenditure
£

Available income to meet mortgage commitments
£

Loan Approval Details

Result : We are sorry but your client cannot apply for an Income Backed Buy to Let mortgage

Result : Please proceed to submit an application for your client’s Income Backed Buy to Let mortgage


Submit your case: please include a print out of this calculator in your case on the broker portal.


The Income Multiple exceeds 4.49 times. Please note that we can consider these applications at the underwriter’s discretion. Please contact us for further details.
NOTE : Please contact your BDM for maximum loan amount exceeding £3000000.