Buy-to-Let Rental Cover (ICR) Calculator

See the maximum loan a rent could support at a given stress rate and rental-cover ratio — and check whether a specific loan stacks up. Indicative only.

The property

Expected monthly rent The rent you expect to achieve, per month.

Loan amount (optional) Enter a loan to check whether the rent passes the test. Leave blank to just see the maximum loan.

The test settings

Rental-cover ratio (ICR) Typical conventions — they vary by lender.

Stress (notional) interest rate An example figure you set — not a current market or lender rate. The rate used in the test is set by each lender and changes over time; edit this to model your own scenario.

Enter a monthly rent and press Calculate to see your figures.

Check these figures with a specialist

What these figures assume These results use a single interest-only stress calculation (rent against mortgage interest only). They do not account for your tax position, void periods, letting or maintenance costs, product fees, or any individual lender’s exact rules.

The ICR figures shown are typical conventions, not fixed rules — lenders apply their own.
The stress rate is an example you set, not a quoted or current rate.
Five-year (and longer) fixed products are often stressed more leniently, which can support a larger loan on the same rent.
If rent is tight, top-slicing (using surplus income) may be available with some lenders — subject to their criteria.
Holding four or more mortgaged buy-to-let properties makes you a portfolio landlord, which brings whole-portfolio underwriting and more documentation.

This calculator is for general guidance only and gives an indicative result. It is not a personal illustration, a quote, a mortgage offer, or financial advice, and it does not guarantee that any lender will lend. Figures are rounded and based only on the inputs you enter. Speak to a qualified adviser for a recommendation based on your circumstances.

Your property may be repossessed if you do not keep up repayments on a mortgage secured on it.

Most buy-to-let mortgages are not regulated by the Financial Conduct Authority. Propertyze is a trading style of City Finance Brokers Ltd, authorised and regulated by the Financial Conduct Authority (FCA No. 766295). We conduct both regulated and unregulated business, so not all products provided through us are regulated by the FCA.