Property value / purchase price Used for the maximum LTV test. £ Expected monthly rent Gross market rent expected by the lender. £ Target loan amount The borrowing amount you want to test. £ Cash deposit available Used to show any deposit gap. £ Lender stress rate Typical BTL affordability stress rate. Edit to match lender criteria. % Interest Coverage Ratio Common examples include 125%, 140%, or 145% depending on lender and borrower profile. % Maximum LTV Maximum lender loan-to-value limit. % Product / arrangement fee Some lenders include added fees in affordability or LTV checks. £ Add fee to loan? If yes, affordability is tested on loan plus fee. Yes — add to loan No — pay fee upfront Payment basis for cash-flow estimate This does not affect lender ICR stress test. Interest-only Capital repayment Initial mortgage pay rate Used only for indicative monthly payment and surplus. % Mortgage term Used only for capital repayment payment estimate. yrs