PRA may look for Banks to increase Stress testing to 167% for Higher rate Landlords
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The PRA has highlighted to lenders that section 24 rental income tax changes have made BTL investments more expensive for high rate taxpayers and lenders are not fully accounting for this when assessing affordability.
Banks routinely look for a minimum stress testing or Interest Cover Rate (ICR) of 125% calculated against monthly interest at a notional rate.
The post PRA may look for Banks to increase Stress testing to 167% for Higher rate Landlords appeared first on Property118.
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