Lenders assume rates will rise. They test your rent against the mortgage at a stress rate — typically 5.5%+ or your rate plus a buffer. Will your deal survive the lender's rainy day?
BTL stress tests usually use interest-only payments — the harshest, simplest check.
Typical lenders want 125–145% rent coverage at the stress rate.
See exactly what monthly rent the lender needs to see before they'll lend.
All calculations run locally in your browser. Nothing is sent anywhere.
Pass the test, then run the numbers.