Landlords budget planner

This tool will illustrate the maximum interest rate your property or portfolio could sustain based on your current rent and costs, based on an Interest Only Buy to Let mortgage. This 'stress test' requires you to identify the income and outgoings associated with your investment property and will help you identify when any changes in the interest rate may cause you issues in the future.

Total rent surplus/shortfall per month
Number of Properties
Total Monthly Rental Income	£
Total Current Monthly Mortgage Payments	£
Total Outstanding Mortgage Balance	£


Annual Costs
Statutory checks e.g. gas	£
Other statutory requirements e.g. EPCs	£
General maintenance e.g. painting	£
One-off maintenance e.g. boilers	£
Letting Agents fees	£
Other (e.g. voids, missed payments etc)	£
Equivalent Monthly Costs

Monthly Surplus/Shortfall

Maximum interest rate that can be sustained

Next Steps
If you are concerned that you may struggle to meet your monthly payments, please contact us as soon as possible to see how we can help you.

Alternatively you can refer to other useful pages on our website.

Use our calculators to work out your options

Understanding the Bank of England Base Rate change.

We've got all the information, support and guidance you need.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

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Whistletree is a trading name of TSB Bank plc. TSB Bank plc. Registered Office: Henry Duncan House, 120 George Street, Edinburgh EH2 4LH. Registered in Scotland No. SC95237. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 191240. TSB Bank plc is covered by the Financial Ombudsman Service.

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Using this online form

Please ensure you complete all sections accurately to help us process your form as quickly as possible. We may not be able to process your request if the form is incomplete or contains errors.

You can find details of your account number and normal monthly payment date on your annual mortgage statement. We also include account numbers on most letters that we send to customers.

Request a payment holiday

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