Calculator

Portfolio LTV and ICR calculator

Portfolio landlords (4+ BTL mortgages) get assessed in aggregate. Add your properties below and see your portfolio LTV, weighted ICR, and how much top-up borrowing rental cover supports.

Risk warning. Your property may be repossessed if you do not keep up repayments on your mortgage. We arrange non-regulated buy-to-let mortgages only and are not authorised by the FCA. Figures shown are illustrative and do not constitute regulated mortgage advice.

#	Value	Balance	Monthly rent
1	£	£	£
2	£	£	£
3	£	£	£

Portfolio LTV

68.18%

Weighted ICR

156%

At 5.50% stress rate

Capacity for top-up

£129,545

At 125% ICR

Total annual rent

£45,000

Get a portfolio review

Lenders treat portfolios of four-plus properties differently. We will model your portfolio against the lenders that actually want it.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages — if your case falls into the regulated regime we will refer you to an FCA-authorised firm.