Are there specific lending criteria changes or new mortgage products from HSBC to prepare for ahead of 2026 rate cuts?
Quick Answer
As of December 2025, HSBC has not announced specific lending criteria or new mortgage products in anticipation of 2026 rate cuts. Lending decisions continue to be based on current market conditions and affordability metrics, including a typical BTL stress test of 125% rental coverage at a 5.5% notional rate.
About This Topic
HSBC has not announced specific BTL lending changes for 2026. Investors should plan based on current 4.75% base rate and 5.5% stress test criteria.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework