Virgin has improved its stress rate calculations for both portfolio and non-portfolio landlords.

The Bank has launched a new range of limited edition buy-to-let fixed rates.

Kate Davies, executive director at the Intermediary Mortgage Lenders Association (IMLA), explores whether 2028 is an unachievable deadline for buy-to-let EPC requirements.

The five-year fixed rates start at 5.35%.

Two-year fixed rates now start at 4.85%.

Rates start at 6.45% and fixed fees from £995.

Both lenders have further reduced five-year fixed rates.

The changes cover Foundation's F1 and F2 tiers.

Rates now start from 5.39% across West One's limited edition range.

Recognise Bank first entered the buy-to-let market in 2021 with a product designed for professional and portfolio landlords.