For a first-time investor looking to buy in early 2025, how will projected mortgage rates and availability likely affect affordability for a standard 2-up-2-down in a commuter town, and what LTV should I aim for?
Quick Answer
First-time investors in 2025 will face higher BTL mortgage rates (5.0-6.5%) and stress tests. Affordability will be tighter, making a lower LTV of 60-70% advisable to improve cash flow and insulate against market shifts.
About This Topic
First-time investor guide to 2025 UK BTL mortgage affordability. Learn about rates, stress tests, recommended LTVs, and key pitfalls.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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