For our 2 year products it is 140% x (for standard BTL) or 125% x (for Limited Company BTL) the highest of:

• pay rate + 2%
• reversion rate
• 5.5%

We stress our 5 year products at (for standard BTL) or 125% x (for Limited Company BTL) pay rate.

No stress is applied to any of the other properties in an applicant’s portfolio as long as they can evidence the rental income covers the mortgage payments.