Buy-to-let lending. Less stress, more yes


We’ve improved the way we stress-test your clients for buy-to-let mortgages. Which means we say yes to more customers. Good news for you, and them.

First, the interest rate stress on 5 year fixed products is now 5.00%

We’ve lowered our interest rate stress for 5 year fixed rate products to 5.00%.

For all other products, the interest rate stress is 5.50%.

Second, the straight balance swap interest rate stress has reduced from 5.99% to 5.50%

Buy-to-let remortgages with no additional borrowing are now offered at a lower interest rate stress of 5.50% across all products, at 125% of rental income.

For full details of our current buy-to-let policy, visit our website or talk to your dedicated Business Development Manager.