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  1. All banks in the clear, seemingly very comfortable this time around, BTL not so much... "Today’s stress tests also found that buy-to-let mortgages would suffer the bulk of the losses if there was a financial crisis. Loans to owner-occupiers would be much more modest. In other words, families would keep paying off their mortgages even if the economy went into recession, but some buy-to-let lenders might struggle to meet their obligations." https://www.theguardian.com/business/live/2017/nov/28/bank-of-england-stress-tests-financial-stability-released-live Carney's narrat
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