Mortgage stress test calculator
Free LetSentry tool. The full result is shown on the page — no account, email address or payment required.
FAQ
What ICR do buy-to-let lenders use? Most BTL lenders stress-test rent at an interest coverage ratio of 125% for basic-rate taxpayers and 145% for higher-rate taxpayers, typically at a notional rate of 5.5% or above, in line with PRA supervisory guidance (SS13/16).
Is this an affordability decision? No. This tool is for planning only. Actual lending decisions are made by regulated lenders under FCA and PRA rules and depend on your full circumstances.