Affordability Calculator
Use this tool to instantly estimate the rent required and maximum borrowing based on your product term, rate assumptions, and taxpayer profile. Adjust the inputs to see how the stress tests update in real time.
Calculator
BTL Stress Test
decimal
Example: 0.0395 = 3.95%
decimal
£
£
Stressed Interest Rate (SIR)
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Interest Cover Ratio (ICR)
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Results
Affordability Summary
Rent Required p/m
Stress
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Available Loan
Capacity
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Test 1 of 2: SIR
Monthly Payment (Stressed)
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Rent p/m
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Test 2 of 2: ICR
Rent ÷ Payment
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Required ICR
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This calculator is provided for guidance purposes only and does not constitute financial advice. Results are indicative and subject to full underwriting, lender criteria, and individual circumstances.
