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Mortgage Stress Test & DSCR
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Mortgage Stress Test & DSCR
Model payment, free cashflow and DSCR across interest-rate shocks before you commit to a mortgage or investment loan.
Loan & borrower profile
Base assumptions and stress-test parameters.
Client-facing safe to share
Loan amount
€
Annual interest rate
%
Term
years
Monthly gross income
€
Other fixed monthly outgoings
€
Max rate shock above base
pp
Scenario step
pp
Income stress haircut
(optional soft stress on income)
%
DSCR = (Free cashflow) / (Mortgage payment)
Stress-test results
Base case and interest-rate shock scenarios.
0 scenarios
Base monthly payment
–
at 0.00% for 0 years
Base DSCR
–
Target > 1.20× for comfort
Free cashflow after mortgage
–
Income − other outgoings − payment
Shock
Rate (p.a.)
Payment / mo
Free CF / mo
DSCR
Flag