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How much can my client borrow?

Affordability is based on the rental income of your client’s property. Find out here how much we may be able to lend.

All ICRs are stress tested at 125% for limited companies and basic rate tax payers, 145% for higher rate tax payers, or 135% where there is a mix of low and higher rate tax payer.

Where the fixed rate is for 5 or more years, the mortgage payment is calculated at the pay rate. For shorter term fixed rates it uses the higher of 6% or Pay Rate + 2%.






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