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UK Buy to Let Mortgage Stress Test ICR Calculator
Interest cover ratio test for a buy to let mortgage.
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ICR
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Interest cover ratio test for a buy to let mortgage.
UK Buy to Let Mortgage Stress Test ICR Estimator
Enter your numbers below for an instant estimate.
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💡 Tip: ICR = annual rent / stressed interest
How It Works
Key concepts behind this calculator
1
Enter Values
Fill in each field with your own numbers.
2
Calculate
Results update as you change the inputs.
3
Review
Read the breakdown and the explanation.
4
Adjust
Change values to compare scenarios.
Quick Reference Guide
UK Quick Guide
Typical values for reference.
| Monthly rent (GBP) | Mortgage (GBP) | Stress rate (%) | ICR |
|---|---|---|---|
| 1500 | 200000 | 5.5 | 164 % ICR |
| 1000 | 250000 | 5.5 | 87.3 % ICR |
| 2500 | 300000 | 5.5 | 182 % ICR |
| 1800 | 350000 | 6 | 103 % ICR |
| Rule of Thumb | Check inputs | Use as a guide | Round sensibly |
Common Questions
UK Buy to Calculator FAQ
Answers to common questions about this calculator.
It uses the formula shown with your inputs. Real conditions vary, so treat it as a guide.
ICR = annual rent / stressed interest
It is an estimate based on the inputs you enter. Check real quotes, labels or official guidance for important decisions.
Yes. Replace each input with your own figures and the result updates instantly.