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DSCR calculator

Calculate your debt service coverage ratio, a figure lenders use to judge whether income comfortably covers borrowing costs. DSCR is annual net operating income divided by annual debt repayments. Many lenders look for 1.25 or higher.

£240,000
£10kBefore debt payments£5m
£150,000
£5kIncluding the new loan£3m

Debt service coverage

1.60×

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Comfortable for most lenders
Max annual debt at 1.25×
£192K

Many lenders look for 1.25× or higher.

See what fits my cash flow

How is this calculated?

  1. Net operating income = turnover − operating costs, before debt repayments.
  2. Debt service = all capital and interest due in a year.
  3. DSCR = net operating income ÷ debt service.

DSCR = NOI ÷ Debt service

Estimates are good. Offers are better.

See your real amount and repayments with a soft search, which won't affect your credit file. Subject to status.

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