When assessing Buy To Let cases we use the following ‘interest coverage ratios’:

For higher rate taxpayers a stress rate of 145% x 5.5% will apply (or 4.5% if a fixed product of 5 years or more is required)

For Basic/Nil rate tax payers, a lower stress rate of 125% x 5.5% (or 4.5% 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 or speak to your BDM.

Minimum Monthly Rent
Maximum Loan
Interest Coverage Ratio

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