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Based on the term you have requested your client may benefit from a lower rate being applied to the income stress test. This however depends on their outside portfolio position. Please complete the details below and we will use this to confirm if the outside portfolio meets this requirement.
If you don't have these details to hand, don't worry, you can tick the box below and we'll calculate the figures using our usual income stress test rate. You can confirm the details later in the process and your client may still benefit.
For your information, the portfolio details provided will be used to confirm the following:
Your client's portfolio is a) geared at 75% or less and b) the rental income provides at least 125% cover when stressed at 6% for properties held in their own name and 6% for properties held in a Corporate entity.
Please note that at this stage the information provided is not assessed for any other purpose than to confirm if a lower income stress test can be applied.
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