Our UK Buy to Let Rental Stress Test Calculator helps landlords quickly see whether their rental income can cover mortgage payments under stressed interest rates. By entering your monthly rent, loan amount, stress interest rate, and interest coverage ratio (ICR), you can calculate the minimum rent required, the maximum loan supported by your current rent, and the stressed monthly mortgage payment.
Whether you are buying a new buy-to-let property, remortgaging an existing investment, or reviewing your portfolio, this calculator provides clear insights into affordability and potential refinancing risks, helping you make confident property investment decisions.
Results
Min rent required
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Max loan supported
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Stressed monthly payment
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Stress Result
Required rent at +0.5%
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IMPORTANT: Our buy to let stress test calculator is designed to give a useful indication of typical stress testing only based on the inputs provided, and does not constitute any form of financial advice. We cannot accept responsibility for errors as a result of using this calculator. Please speak to one of our brokers if you require assistance or further advice.
Understanding Your Rental Stress Test Results
Your rental stress test results show how resilient your property investment is under higher interest rates and lender affordability requirements. The minimum rent required tells you the income needed to meet the interest coverage ratio at the stressed rate, while the maximum loan supported shows how much borrowing your current rent could realistically allow. The stressed monthly payment gives a snapshot of your mortgage costs under stress, and the pass or fail indicator quickly shows whether your scenario meets typical lender criteria. A further sensitivity check (modelling an additional 0.5% above the stressed rate entered) illustrates how a small rise in interest rates could affect affordability, helping you anticipate refinancing challenges and plan for a secure rental cash flow. Interpreting these results ensures you make informed investment decisions, avoid properties that may fail lender tests, and manage your portfolio with confidence.
If you’d like help testing your property or portfolio, or finding competitive buy‑to‑let mortgage rates, our specialist brokers can assist with further guidance or sourcing the right mortgage and securing the most suitable deal for your rental property. Read all about our buy-to-let mortgage services.