This page centres on news, regulation, and lender practice relating to affordability assessments in mortgage underwriting. Read below to see how affordability tests are changing over time.
Chancellor John Healey delivers his first Budget – follow every announcement live
Bank tax, first-time buyer incentives and LTI reforms hit UK mortgage lenders on the same day
TAB’s Duncan Kreeger says market is the worst in 20 years
Barclays drops the property value limit on PAT assessments, widening mortgage options for limited company directors with retained profits
Gable Mortgages’ co-CEOs on why Britain's housing crisis demands smarter underwriting and a rethink of deposit logic
A 2.5% deposit scheme, leasehold legislation and council powers over poor rentals set the agenda for first-time buyer and landlord advice
Landlords are quitting, brokers are drowning in paperwork, and a hypothetical £5m business now hands over 40p in every pound of turnover before it makes a profit
1.8 million fixed-rate deals mature this year — brokers take note
Many had contacted agents or attended viewings before putting plans on hold
Private rented sector reform enters its next phase, with compliance risk for landlords who miss the window
