What's Inside
Interest rates have been volatile. This guide helps you stress test your mortgage at multiple rate scenarios, understand what lenders check, and build a strategy to protect yourself if rates rise further.
- Monthly repayment tables at 4.5%, 5.5%, 6.5%, 7.5% and 8.5% rates
- Income multiple tables — how much you can borrow at different salaries
- How lenders stress test your application and what you can do about it
- Overpayment impact calculator — interest saved and years cut at £100/mo increments
- When overpaying makes sense vs other uses of spare cash
- Fixed vs tracker — how to decide in the current rate environment
Contents at a Glance
Repayment Tables
Monthly costs at 5 different rate scenarios for 9 mortgage sizes
Monthly costs at 5 different rate scenarios for 9 mortgage sizes
Borrowing Power Table
Maximum loan at 4×, 4.5× and 5× income multiples
Maximum loan at 4×, 4.5× and 5× income multiples
Lender Stress Tests
What lenders check and how to pass their affordability tests
What lenders check and how to pass their affordability tests
Overpayment Strategy
Interest saved and years cut with extra monthly payments
Interest saved and years cut with extra monthly payments
Fixed vs Tracker
How to decide in the current rate environment
How to decide in the current rate environment
Safety Checklist
What to check before overpaying your mortgage
What to check before overpaying your mortgage
Free Calculators
Use these free tools alongside the guide:
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✓ Updated 2026/27
✓ Built by finance professionals