There are a huge number of buy-to-let mortgage rates available in the UK so it can be tricky for you to find the best product to suit your individual circumstances. One of the most important factors in determining which buy-to-let rates you can apply for is the ‘rent stress test’ or rental calculation.
Most lenders will use a simple calculation based on the rental income you receive from your buy-to-let property to decide how much they will lend to you and at what interest rate. Rent stress tests vary from lender to lender, so finding the best buy-to-let mortgage rate could be a challenge as there are so many different options to choose from.