Calculator currently unavailable
This is a temporary measure to allow the BTL stress rates used in the calculation to be updated to those shown below. It will be available again as soon as the rates have been updated.
When assessing BTL cases we will use the following calculations:
Portfolio Landlords/Higher Rate Tax Payers
- A stress rate of 145% x 7.6% will apply (or 6.29% if a fixed product of 5 years or more is required)
- For Portfolio BTL landlords any background properties will be assessed at 145% x 6%.
Basic/Nil rate taxpayers
- A stress rate of 125% x 7.6% will apply (or 6.29% if a fixed product of 5 years or more is required).
Do not use this calculator if top-slicing is required. Please refer to our separate top-slicing criteria.