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Important - Changes to ICR requirements

Changes to ICR requirements
Kent Reliance

Improvements to our Buy to Let Affordability assessment


From 26 February 2018, the Buy to Let interest coverage ratio (ICR) applicable to both Standard and Specialist property types is being simplified, with some also being reduced.


In addition, ICR calculations will no longer depend on the number of properties a customer owns. Instead, ICR will simply depend on whether the application is in a personal or limited company name, and whether the property is Standard or Specialist.

 

We’ve summarised our new interest coverage ratios below:


Single dwellings

HMO/ multi/ student lets with up to 5 rooms

Freehold block/ titles of land with up to 4 units

Limited company

 Personal

125% 

rental cover

140% 

rental cover

Specialist Property

HMO/ multi/ student lets with 6 or more rooms

Freehold block/ titles of land with 5 or more residential units

Limited company

Personal

145% 

rental cover

160% 

rental cover


Affordability

Affordability stress rates remain unchanged:

  • Minimum stress rate applicable for rental cover purposes is 5.5%, or the initial pay rate plus 1.55%, whichever is higher.
  • Remortgages where no additional borrowing is being raised are not subject to a minimum stress rate, with rental cover assessed against the initial pay rate plus 1.05%.
  • 5 year fixed rate applications are stress-tested at the initial pay rate, with no additional margin or minimum rate applicable.


For more information on the changes to our ICR requirements, please visit our website or contact your
Business Development Manager.

Kind regards

Adrian Moloney

Sales Director

Kent Reliance - OneSavings Bank plc


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krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). Registered in England and Wales (company number 7312896).

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