Mortgage Stress Test Calculator — Derby
What happens to your monthly payment if rates climb? European banks now run a stress test of +3pp by default (ECB guidance). This calculator shows the impact in euros — and whether your income still covers the new payment. Pre-filled with Derby medians from our latest snapshot (2026-05-09).
Inputs
€
%
yr
%
€
Results
Current monthly payment
€1,001
Payment after rate shock
€1,350
Payment increase
€349
Increase, %
+34.9%
Current payment / income
+25.0%
Stressed payment / income
+33.8%
Stress-test passes comfortably: stressed ratio 34% sits below the 40% threshold.
A 35% jump is large because long-term annuities are interest-sensitive — variable-rate borrowers should expect this exposure annually.
Data: Derby · 2026-05-09
Frequently Asked Questions
Why do banks stress-test mortgage applications?
Since 2022, ECB and EBA guidance requires banks to verify that applicants can still afford the loan if rates rise by typically 3pp. This protects both borrower and bank from default risk in a rising-rate cycle.
How much should I leave as a safety buffer?
Best practice is to size your loan so that your payment under a +3pp stress sits at or below 35% of net income. If the stress payment touches 50%, you're one rate cycle from trouble.