How will the FCA's new mortgage rules impact buy-to-let mortgage affordability and criteria for UK property investors?
Quick Answer
While the FCA directly regulates residential mortgages, its influence on BTL indirectly tightens lending via Prudential Regulation Authority (PRA) guidance on specialist lenders, impacting affordability through stricter stress tests and rental coverage requirements.
About This Topic
Understand how PRA guidance, not direct FCA rules, impacts BTL mortgage affordability for UK investors, including stress tests and ICRs in Dec 2025.
This question is part of our Financing & Mortgages category, providing expert guidance on UK property investment.
Expert Guidance from Steven Potter
Steven Potter is a UK property investment coach with a £1.5M portfolio and over 5 years of hands-on experience. He has helped over 1,000 students achieve their property investment goals through practical, ethical strategies.
Ready to Take Action?
Get personalised property investment coaching with Steven Potter's Property Freedom Framework.
Learn about the Property Freedom Framework