Free tools/Portfolio Stress Test Calculator
Portfolio Stress Test Calculator
Add each property's rent and loan, pick a stress rate and ICR target, and see which loans pass - plus a portfolio-level cover chart.
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ICR at stress: 150% - pass
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£
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ICR at stress: 150% - pass
Portfolio ICR
150%
Pass / fail
2 / 0
Total annual rent
£26,400
Stressed interest
£17,600
Rent vs stressed interest by property
How to use this tool
Use the rent-cut scenario to see how thin margins get if occupancy or rents soften across several properties at once.
Browse all free calculators on the tools index.
Frequently asked questions
- Why stress the whole portfolio?
- Fixes often mature in clusters. A portfolio view catches correlated rate risk that single-loan checks miss.
- Is lender portfolio criteria included?
- No - this is ICR-style cover maths. Lenders also apply experience, credit and product rules.
Related
Illustrative only - not mortgage, tax or financial advice. Figures depend on your lender, tax status and circumstances. Always check with a qualified adviser before acting.