What are the current best buy-to-let mortgage rates and stress testing criteria for limited companies with a director's loan, especially given the recent interest rate hikes?
Quick Answer
Limited company BTL rates typically range from 5.0-6.5%, with stress tests at 125% rental coverage against a 5.5% notional rate, impacting director's loan structures.
About This Topic
Explore limited company BTL mortgage rates (5.0-6.5%) and 125% rental stress tests at 5.5% notional rate as of December 2025. Understand director's loan impact and tax benefits (19-25% CT) for UK property investors.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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