This is an interesting question! The past 6 weeks has seen a bit of a U-Turn in terms of economic certainty. Everyone had forecast a series of rate drops this year in Q1 but the last Bank of England Meeting voted unanimously to hold rates, which is apparently the first unanimous vote in several years! It’s difficult to know where rates will go because so much is changeable. Usually stress testing an extra 3% is sufficient in my eyes but maybe to 5 now because of the uncertainty. I think it depends on your equity position though. Fixing your rate will help with certainty too. The deal calculator allows you to play about with stress testing levels which is useful, have you checked those out @David Scott ? What are you feeling on stress tests just now?

@Josh Barton glad you liked it!🔥 Made based off suggestions from the group 🤙🏼🎓

@Simon Miller 100% mate, you can’t be all things to all people 💁🏻‍♂️

@Simon Miller sounds like you’ve a definite direction which is great!

@Simon Miller I’m a big believer in starting at the end and reverse engineering! Best way to keep your compass pointed in the right direction and not get distracted 🔥🔥

@Simon Miller if you don’t know where you’re going, you’ll struggle to find your way 💁🏻‍♂️