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Deal Calculator

A buy-to-let deal read the way a lender reads it: the same deal re-run across the whole rate range, one row per rate, each judged against your own DSCR pass line. Stamp duty uses the England and NI bands including the additional-dwelling surcharge.

Deal stress test
11 rate scenarios, 4.00% to 9.00%, DSCR pass line 1.25x
Price£185,000
Rent£950/mo
Loan£138,750
Stamp duty£10,450
Cash to complete£59,200
BasisInterest-only
Spotlight rate5.50%
RatePaymentCash flowDSCRVerdict
4.00%£463£4872.05xPass
4.50%£520£4301.83xPass
5.00%£578£3721.64xPass
5.50%£636£3141.49xPass
6.00%£694£2561.37xPass
6.50%£752£1981.26xPass
7.00%£809£1411.17xFail
7.50%£867£831.10xFail
8.00%£925£251.03xFail
8.50%£983-£330.97xFail
9.00%£1,041-£910.91xFail

England & NI SDLT rates including the 5% additional-dwelling surcharge on a £185,000 price. Figures are an estimate, not tax or lending advice.

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