Are there specific lending criteria changes for buy-to-let mortgages to be aware of if rates are stable for an extended period?
Quick Answer
Even if interest rates stabilise, buy-to-let mortgage criteria can change, primarily affecting rental stress tests and income assessment. Lenders may adjust their notional rates or coverage ratios, making it harder to secure funding despite steady market rates.
About This Topic
Buy-to-let lending criteria can change even with stable rates. Learn how rental stress tests (125% at 5.5% notional rate) and other factors affect BTL mortgage eligibility for investors in 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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