Investor tools

Buy-to-let mortgage calculator for overseas investors

Enter the price, deposit, rate and rent to see your monthly payment and whether the rent passes the lender’s test.

Mortgage type

Lenders usually want the rent to cover the interest 1.25 times (125%) — up to 1.45 times for some overseas borrowers.

Monthly payment

£653.13

269.529 KWD

£7,838 per year

Rent covers the interest

1.68× — Passes the lender’s test (1.25×)

Loan

£142,500

58,806 KWD

Deposit

£47,500

19,602 KWD

Largest loan this rent supports

£192,000

79,234 KWD

Rent left after the mortgage, before running costs

£446.88

184.415 KWD

If rates rise

RateMonthly paymentRent cover
5.50%£653.131.68×
6.50%£771.881.43×
7.50%£890.621.24×

Exchange rates as of 30 October 2026 · Rates by ExchangeRate-API

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Estimates for guidance only. Rates and rules can change — confirm with a UK solicitor or adviser before you commit.

Buy-to-let mortgages for overseas investors

Can I get a UK buy-to-let mortgage if I live in the Gulf?

Yes. Specialist expat and international lenders lend to buy-to-let investors living in the GCC, usually with deposits of 25–40%, through FCA-authorised brokers.

What is the rental cover test?

Lenders check that the expected rent covers the mortgage interest by a margin, often 125% and sometimes 145%, using a stress rate. It can limit how much you can borrow.

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