Are there specific lending criteria changes for property investors despite the 'resilient market' signal?
Quick Answer
Lending criteria have tightened for property investors, with BTL stress tests now commonly requiring 125% rental coverage at a 5.5% notional rate. This reduces loan amounts available, despite current market resilience perceptions.
About This Topic
Lending criteria for UK property investors have tightened. Understand the 125% rental coverage, 5.5% notional rate stress test and its impact on BTL affordability.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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