Skip to content

    Income tax on property income rises to 22/42/47% from 6 April 2027.9 months to go What it means →

    Commercial Mortgage ICR Calculator

    Written by Scott Jones, founder of CommercialPropertyKiln.

    Interest cover at pay and stress rates, and the maximum loan a lender's ICR allows.

    This calculator provides estimates based on current UK tax rates and regulations. It is not financial advice. Results depend on your individual circumstances. Consult a qualified accountant for advice specific to your situation.

    Commercial mortgage ICR

    Test interest cover at your pay rate and a stressed rate, and see the maximum loan a lender's ICR allows.

    Commercial investment: typically 130–150%.