Are there any indicators in the BoE's report suggesting changes to landlord lending criteria or stress testing in early 2026?
Quick Answer
As of December 2025, Bank of England reports do not explicitly signal specific changes to BTL lending criteria or stress testing for early 2026, though market conditions are continuously monitored.
About This Topic
BoE reports in December 2025 show no explicit changes to BTL stress testing for early 2026. Standard 125% rental coverage at 5.5% notional rate remains, with rates at 5.0-6.5%.
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