What is a rental cover ratio?

The rental cover ratio shows how much the rental income covers the mortgage payments. A rental cover ratio of 1.5 or 150% would cover the mortgage payment by 150%. The minimum rental income calculation is based on the annual stress rate (typically 5.5%) and depends on your taxpayer status. We have developed a simple Rental Income Calculator to give you indicative minimum rental income required to cover your mortgage payment.

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