Cash Flow Stress-Test Calculator
Written by Scott Jones, founder of PropertyKiln · Last updated
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Rates moving by 1% can turn a positive-cashflow BTL into a loss-maker. This calculator stress-tests your current or prospective BTL against rate rises: what happens at your current rate, at +1%, at +2%, at +3%?
Enter rent, running costs, current mortgage balance, current rate, and your tax band. The output shows your net monthly cashflow at each rate, the rate at which the property breaks even, and the rate at which you'd be paying to keep it.
Run this before you fix for 2 years vs 5 years. Run this before you remortgage. Run this before you stress-test your portfolio to a lender on a remortgage application.
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