Calculator

Buy-to-let stress test calculator

Lenders apply a stress rate (typically 5.5%) and an Interest Cover Ratio (125% to 145%) to the rent. Below is your indicative maximum loan, before LTV caps. Real lender outcomes vary; ask us for a proper run.

Risk warning. Your property may be repossessed if you do not keep up repayments on your mortgage. We arrange non-regulated buy-to-let mortgages only and are not authorised by the FCA. Figures shown are illustrative and do not constitute regulated mortgage advice.

Property value

Monthly rent

Borrower profileICR 145% / stress 5.50%

Maximum loan (rental cover)

£225,705

Implied LTV (capped at 80%)

75.24%

Rental cover is binding, not LTV.

Stress thresholds

145% / 5.50%

Indicative ICR / stress rate.

See full lender breakdown

Different lenders use different ICR and stress rates. We will give you the exact maximum loan available across our 100+ panel for your case.

Worked example

A non-regulated buy-to-let mortgage of £200,000 on a property valued at £300,000 over a 25-year term, on a 5-year fixed rate at 5.49% reverting to a variable rate, would have monthly interest-only payments of approximately £915. The capital balance remains outstanding at the end of the term and must be repaid by sale, refinance, or capital repayment from another source. Rates correct as of May 2026. Illustrative only; actual product, rate and fees vary by lender and case.

Lender panel and fees

We have access to a panel of 100+ specialist buy-to-let lenders, including high-street, specialist, and challenger banks. Initial consultation is fee-free. On completion, our arrangement fee is typically £995 to £2,995, depending on case complexity. We are also paid a procuration fee by the lender, typically 0.30% to 0.55% of the loan amount, which is disclosed before you commit.

Regulatory status

Lenzie Consulting Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange non-regulated buy-to-let mortgages only. We do not arrange Consumer Buy-to-Let or other regulated mortgages — if your case falls into the regulated regime we will refer you to an FCA-authorised firm.