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Struggling with BTL rental income coverage?


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Similar to many other lenders we have amended our BTL rental coverage in line with regulatory changes to non-FCA regulated contracts. However we will consider using surplus personal income to supplement the rent within our affordability testing.

We use an affordability calculator which looks for rental coverage of 135% using a stress rate of 5.99% but will also factor in the client's overall financial position. This often means we are happy to consider cases where the rental coverage is below 135%.   
All cases are individually underwritten. Call our friendly helpdesk team to see if we can help.

We will consider:

    Ltd Company
    Foreign Currency

Postcode restrictions apply.

View our Buy to Let product range here.

For more information, or to talk through a potential enquiry, please call our Intermediary Helpdesk on
01635 918000 or click here for more contact options.


Why choose us?

Newbury Building Society underwrites all cases on an individual basis and does not credit score.
Newbury Building Society is known for providing a tailored and individual service to Intermediaries and provides a helpdesk service on 01635 918000 or at This offers an increased and flexible service to Intermediaries accessing mortgage product advice and services.

We look forward to helping you soon.




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Newbury Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number 206077). Registered office: Newbury Building Society, 17 Bartholomew Street, Newbury, Berkshire, RG14 5LY.

English law applies and we will communicate with you in English. We are participants of the Financial Ombudsman Service. We have a complaints procedure which we will provide on request. Most complaints that we cannot resolve can be referred to the Financial Ombudsman Service.

You can check the Financial Services register on the FCA's website.


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