Rental cover calculator

Rental stress test calculator

Estimate rental cover against common buy-to-let stress test logic. Use the result as a planning guide, then check suitability, lender criteria and the full advice route before acting.

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Your figures

Enter the details.

£/month
%
%

Guide result

Your estimated result.

Estimated max loan—
Annual rent—
Stress assumptions—

Lender stress tests vary by tax position, product type, term and whether the applicant is a basic or higher-rate taxpayer.

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Advice checkpoint

Need help turning the number into a decision?

Speak to The Mortgage Hive before acting on a calculator result. The right route depends on the product, lender rules, affordability, long-term cost, risk and your wider circumstances.

Speak to an adviser Call 01202 084 064

Important information

Rental stress tests vary by lender, product, rate, tax position and applicant circumstances. This result is only a guide and not a lending decision.

These calculators provide estimates only and are not personal advice. Speak to The Mortgage Hive before making financial decisions.