What's the maximum amount of equity I can realistically extract from my primary residence via a remortgage without impacting my ability to secure future BTL mortgages, given current stress tests and interest rates?
Quick Answer
Extracting equity from your primary residence typically allows for a maximum Loan-to-Value (LTV) of 75-85%, calculated on your personal income. This increases your personal debt, directly affecting your Debt-to-Income (DTI) ratio, which is a key factor in future BTL mortgage affordability assessments.
About This Topic
Learn how equity extraction from your primary residence impacts future BTL mortgages. Understand LTV, DTI ratios, and BTL stress tests. Max 85% LTV residential remortgage can influence your ability to secure BTL loans.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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