How do current stable mortgage rates impact the profitability of new buy-to-let acquisitions in the UK?
Quick Answer
Stable BTL mortgage rates, currently 5.0-6.5%, mean higher monthly finance costs compared to recent historical lows, impacting rental yields and post-finance cash flow for new buy-to-let acquisitions. Stress testing at 125% rental coverage at 5.5% is critical.
About This Topic
Stable BTL mortgage rates (5.0-6.5%) impact buy-to-let profitability. Understand how to stress test deals at 125% coverage at 5.5% and manage cash flow in December 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
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