BTL Affordability & Rental Stress Test
Check how much you may be able to borrow based on rental income, or work out what rent may be needed for a target loan amount.
Covers standard BTL, HMO, MUFB and holiday let — including lender-specific rent deductions and occupancy adjustments.
BTL Finance Calculator
Run your affordability numbers
Stress-tested against real lender criteria.
The right lender can make a significant difference. Book a call and we'll check the numbers properly.
How stress testing works
Stress Rate
Lenders test your mortgage against a higher rate than the actual product rate — typically 5.25%–7.00% — to ensure you can afford payments if rates rise.
Rental Cover (ICR)
The interest coverage ratio. At 125% ICR, rent must cover 125% of stressed monthly interest. Higher-rate taxpayers typically face 145%.
5-year vs 2-year
Most lenders stress 5-year fixes at a lower rate — giving you more borrowing power than a 2-year fix.
HMO / MUFB / Holiday Let
Lenders don't use gross rent directly. HMO and MUFB apply deductions for voids and management; holiday let lenders assess income at ~70% annual occupancy.
Rent adjustment guide
Deductions are applied to gross rent before the stress test — they reduce the effective loan available relative to the headline rent.
Current assumptions
Limited company · 5-year fixed
Need a real lender match?
These figures show you what's possible. We'll find the specific lenders who will actually approve your case — and at the best rate available.