Great news - We’ve reduced our Buy to Let stress rates

05 January 2026

From today, Monday 5th January we’ve reduced the stress rates used in our domestic Buy to Let affordability calculations.

Stress rates are an important part of the assessment when understanding mortgage affordability for your customers. By reducing these rates whilst maintaining responsible lending standards, we are helping more landlords enter or remain in the Buy to Let market at a time of ongoing affordability pressures.

To further support you and your customers we have simplified how we calculate the Buy to Let stress rates as follows:

Our Broker website and affordability calculator have been updated to reflect the above change.

As a reminder, we enhanced our domestic Buy to Let LTVs earlier this year - please refer to the below table:

Please note, that the policy limit of 80% LTV cannot be exceeded by capitalising the booking fee.

Further information

Talk to us using Chat with us, call our Broker Support Team on 0345 600 5847 (Monday to Friday, 9am to 5pm) or contact your local BDM.

HSBC UK

For Intermediary use only.