To keep things simple, Virgin Money have one BTL affordability calculator so you can check the loan amount we’d offer your client.

Continue to declare all of your client’s credit commitments and our calculator will automatically take personal income into consideration during the affordability assessment, where the rental income does not meet 145% of the mortgage interest payment.

For more information and examples of how our Personal Income policy works, have a look at our BTL Sales Aid or speak to your dedicated BDM.