Mortgage stress test
Buy-to-let lenders size loans on rent, not just your deposit. Check whether the rent passes a typical interest cover test, and how much you could borrow against it.
Results
Stress test
Fail
Rent is below 125% of the interest at the stress rate.
At the stress rate (6.5%)
123%
- 125% fail
At the product rate (4.5%)
178%
- 125% pass
Maximum loan
£147,692
The most this rent supports: 73.8% of the value.
£2,308 short
Rent needed
£1,016/mo
£16 a month more than you've entered.
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