Property

Rental Cover (ICR) Calculator

Rent cover against stressed mortgage payment and lender ICR threshold.

Use the interactive calculator below for an instant estimate. Results depend on your inputs and the assumptions shown on the page.

Methodology and source status

Scope: Property, mortgage, landlord, and home-moving estimates; tax rules vary across UK nations.

Primary reference: GOV.UK property, Council Tax and home-buying guidance.

Source record: Direct government or provider source. This link is the calculator-specific evidence path, not a statement that every individual input or exception is current.

Effective period: Local authority charges, lender criteria, lease terms, property condition and UK nation can materially change an estimate. Check the relevant official or provider source.

Review status: Source path published; no named calculator-level review is currently represented here.

Last source or expert review: No calculator-level source or expert review date is published.

Technical validation: 12 August 2026 — catalogue build, route, metadata, and internal-link checks completed. This is a technical delivery check, not a review of current rates, rules, sources, calculations, or personal circumstances.

Next review trigger: Review when a relevant rate, threshold, provider fee, tax period, rule, or formula changes.