UK ICR mortgage and buy-to-let stress screening tool. Computes the maximum loan a BTL or HMO rent figure could support from qualifying gross annual rent, the lender's stressed interest rate, and the lender's interest cover ratio (ICR). Optional LTV produces an implied maximum purchase price. Not a mortgage offer.
ICR mortgage calculator and BTL stress test
UK ICR mortgage and buy-to-let stress screening tool. Computes the maximum loan a BTL or HMO rent figure could support from qualifying gross annual rent, the lender's stressed interest rate, and the lender's interest cover ratio (ICR). Optional LTV produces an implied maximum purchase price. Not a mortgage offer.
Calculation Formula
maxLoan = annualRentGross / (icrMultiple × stressRateAnnual). impliedMaxPrice = maxLoan / maxLtv.
How to Use This Calculator
- Enter the gross annual rent you believe the lender will accept (often AST gross).
- Enter the lender's stress interest rate as an annual percentage.
- Enter the ICR requirement (e.g. 125 means 125%).
- The tool returns the maximum interest-only loan computed as: annualRent / (icrMultiple × stressRateAnnual).
- Optionally tick "Show implied maximum price at LTV" and enter an LTV to see the implied purchase price ceiling (loan ÷ LTV). This ignores SDLT, legals, and deposit mix.