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Buy-to-Let Rental Stress Test Calculator

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Used to show the implied LTV. Lender max LTV varies.
Many lenders stress above pay rate. This is indicative only.
Common examples: 125% or 145%. Actual requirements vary by lender, borrower profile and property type.
If you enter rent, “Loan Required” will be disabled.
If you enter loan, “Monthly Rent” will be disabled.
Result:
£0.00
Enter either Monthly Rent or Loan Required.

This calculator provides indicative figures only and is for information purposes. It does not constitute mortgage advice or a guarantee of borrowing. Buy-to-let affordability is assessed by each lender using their own criteria, which may include (but is not limited to) stressed interest rates, ICR, maximum LTV, fees, property type, portfolio status, and borrower tax position. If you are unsure what stressed rate or ICR applies to your circumstances, please seek professional advice. For tax treatment, speak to a qualified accountant. For expert mortgage advice contact Mortgage One.

• This information is a guide only and should not be relied on as a recommendation or advice that any particular mortgage is suitable for you.
• All mortgages are subject to the applicant(s) meeting the eligibility criteria of lenders.
• Make an appointment to receive mortgage advice suitable for your needs and circumstances.