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? Lenders set their own interest coverage and stressed-rate criteria, which vary. This tool lets you test different assumptions — check the actual criteria with your lender or a regulated broker.

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.