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Buy-to-Let Mortgage Stress Test Calculator (UK, 2026)
Work out whether a UK buy-to-let mortgage passes the lender’s interest coverage ratio (ICR) stress test. Supports basic-rate (125% at 5.5%) and higher-rate (145% at 5.5%–7%) scenarios used by major BTL lenders in 2026.
Deal inputs
Your tax position
Most major BTL lenders use a stress rate of 5.5% for 5-year fixes and 7% or higher for shorter fixes. Some lenders apply ICR 125% universally for Ltd company applications.
Stress test result
Fails stress test
Required annual rent: £19,938
Your annual rent: £18,000
Shortfall of £1,938/year. You need to either increase rent by roughly £161/month, reduce the loan, or find a lender with a lower stress rate or ICR.
Maximum loan at this rent
£225,705
At rent of £1,500/month, ICR 145%, stress rate 5.5%.
Stressed annual interest (loan \u00D7 rate)£13,750
ICR multiplier\u00D7 1.45
= required annual rent£19,938
Indicative only. Every lender has their own criteria, some apply top-slicing for surplus rental cover, some discount sole-agent rentals. Verify with a specialist BTL broker before offering on a property. See the PRA SS13/16 supervisory statement for the underwriting framework.
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