ICR test
Max loan = annual rent ÷ (ICR × stress rate). Most BTL loans are capped at 75% LTV. Buying an additional property costs 5% more Stamp Duty in England.
FAQ
How much can I borrow on £1,300 rent?
About £195,600 at a 145% ICR and 5.5% stress rate.
Sources (checked 6 Nov 2026): PRA SS13/16 underwriting standards for BTL.