Real Estate & Mortgage
UK Buy-to-Let Stress Test (125%/145% @ 5.5%)
Check whether a UK buy-to-let mortgage passes lender rental coverage stress tests.
Your inputs
Change any value to update the result instantly.
Required monthly rent to pass
1,329.1667
Your expected monthly rent
1,200
Maximum loan supported by this rent
1,80,564.2633
Coverage ratio used
145%
This rent does not meet the lender's stress-tested coverage requirement.
Formula and working
Required monthly rent = Loan amount × Stress rate ÷ 12 × Coverage ratio
- 1
Collect the inputs
Mortgage loan amount = 200,000; Notional stress test rate = 5.5 %; Required coverage ratio (%) = 145 %; Expected monthly rent = 1,200
- 2
Apply the formula
Required monthly rent = Loan amount × Stress rate ÷ 12 × Coverage ratio
- 3
Result
Required monthly rent to pass = 1,329.1667
Frequently asked questions
Important limitation
This is an educational estimate based only on the values and formula shown. Verify current rates, rules, units, and professional standards before relying on the result. It is not personalized financial or investment advice.
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