The bank says the change will support landlords wider lending needs with increased choice in the market.

This follows the launch of 80% LTV mortgage products in March 2025 and the launch of top slicing in October 2025.

HSBC UK head of mortgages Oli O’Donoghue says: “I’m pleased that we’ve been able to reduce our BTL affordability stress rates to better support UK landlords. By lowering stress rates, we are helping more landlords enter or remain in the Buy-to-Let market.”

“This supports access to quality rental homes and housing affordability more broadly. Lowering barriers to finance, and easier refinancing options, can help landlords manage costs, supporting greater stability in the rental sector.”

HSBC UK also announced rate reductions to its mortgage products, effective today.