What the stress test measures
The calculator treats the mortgage as interest-only at the stress rate entered, then multiplies that stressed interest by the required interest-cover ratio. Expected rent must meet or exceed that result. It does not assume one universal UK lender threshold.
Why a pass is not a mortgage offer
Valuation rent, applicant income, tax status, portfolio exposure, property type, product fees and lender policy can change the assessment. Use the exact stress rate and cover requirement for the product being considered.
Test operating costs separately
Rent coverage is not profit. Use the rental-yield calculator to include vacancy, management, maintenance, service charges and insurance.
Reviewed by the Properties & Homes editorial team
Last reviewed: 14 August 2026.