Why do you use a stressed rate in your affordability calculations?

Shawbrook takes its responsibility as a lender seriously so we use a stressed rate when calculating affordability.

We assume an increase to your initial rate, ensuring that, as interest rates rise and as the economy recovers, we are confident that your property will generate sufficient income to cover all of its expenses at that time. As an investment, it is essential the property generates enough income to cover its costs.

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