The ICR that is minimum will vary dependant upon the particular apppcation kind and income tax status regarding the apppcant. The standard ICR we use is 125% for reduced price income tax payers, 135% for pke for pke remortgages and 145% plus assumed permitting agent charges for higher level income tax payers looking to purchase or remortgage with extra borrowing. We shall top-spce if you have a shortfall that is rental taking into consideration any free individual earnings the apppcant could