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Question on refinancing


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Have a BTL with lots of equity.

If I were to refinance do lenders still go by the 191 times monthly rent for total sum / 1.25 times rent for mortgage cover as well as the 85% LTV or do they just go on the LTV ?

Its only on refinancing rather than a new one as won't consider anything that didn't meet the criteria above anyway on purchasing a property.


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