Buy to let property portfolio stress test
Stress-tests a portfolio of three or more rentals. Identifies the first property to go cashflow-negative under a rate rise.
Buy to let property portfolio stress test
Add your properties above. We will show current and stressed cashflow per property and for the portfolio total, and flag the first property to go cashflow-negative.
Next step: book a quick 15-minute call and we will check your figures against over 90 lenders. No credit check, no obligation.
Per-property cashflow
| Property | Cashflow now | Cashflow A | Cashflow B | Cashflow C | ICR now | Break-even rate |
|---|
This stress test models simple rate changes against your portfolio. Real-world portfolio risk includes void periods, tenant arrears, regulatory changes (such as Section 24 or rental reform legislation), unexpected maintenance, and lender criteria changes. Lenders typically require an Interest Cover Ratio of 125% to 145% depending on tax position. Repayment rows assume a 25-year term. This tool does not replace lender stress tests or professional financial advice. Major Money Matters Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority. FCA reference 409534.
How to read this result
The portfolio view shows each property side by side at the rate scenarios you set. Cashflow-negative properties are flagged so you can see which case fails first under a rate rise. The Interest Cover Ratio (ICR) is the lender measure for buy-to-let affordability, typically 125% for personal-name landlords on basic rate and 145% for higher-rate tax payers and limited-company Special Purpose Vehicle (SPV) cases.
What the tool does not include: voids, agent fees in full, repair reserves, insurance, ground rent, service charges, accountancy fees and any tax. It is a rate-stress and ICR view, not a full cashflow model. Use it to find weak spots, not as a P&L.
If your portfolio looks tight, the levers are: refinance the weakest property to a longer fix, raise rent at next renewal where the market allows, restructure into an SPV at next remortgage, or sell the weakest case and redeploy. Each has a tax implication, especially Section 24 on personal-name portfolios.
For four or more rentals, you are a portfolio landlord under Bank of England rules and lender criteria tighten materially. The right lender for the next case may be very different to the lender for your first three. We work with portfolio specialists routinely.
Related guides
Becoming a portfolio landlord
The four-property threshold, lender criteria, and what changes when you cross it.
Read guideSection 24 and buy-to-let tax
How the mortgage interest restriction affects personal-name landlords, and when a limited company SPV starts to make sense.
Read guideBuy-to-let mortgages
Buy-to-let rates, ICR thresholds, the 125% versus 145% question, and product fees on portfolio cases.
See buy-to-letStress-tested. Now what?
A portfolio review covers refinance options, structure, and the order to act in. We do this regularly with landlords running three to thirty units.
We aim to return your call as quickly as we can. Mon to Fri 9am to 5pm, weekend appointments on request.