Standard buy-to-let (75%-80%)
| 5 year fixed or like-for-like | 145% at pay rate |
| All other applications | 145% at pay rate, plus 2% (floored at 5.5%) |
Standard portfolio applications
| Portfolio background stress (up to maximum 75% LTV) | 145% at 5.70% |
Limited company buy-to-let (75%-80%)
| 5 year fixed or like-for-like | 125% at pay rate |
| All other applications | 125% at pay rate, plus 2% (floored at 5.5%) |
Limited company portfolio applications
| Portfolio background stress (up to maximum 75% LTV) | 125% at 5.70% |