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.
Lender also updates affordability assumptions for residential and BTL borrowers
The nation's largest building society's high LTI mortgages are no longer just for first-time buyers
Rightmove data show sharp rebound as post-Budget confidence returns
Prospective homeowners favour the return of Help to Buy and Stamp Duty relief
When divorce drives the move, are your later‑life clients really mortgage‑ready – or one step from falling through the gaps?
Intermediary outlines expectations for next year’s rates and borrowing
Brokers point to easing rates, rent pressure and more flexible affordability as higher borrowing returns to the purchase market
Regulator plans changes for first-time buyers, later life lending and vulnerable borrowers
How one brokerage is urging lenders to reconsider non-linear income patterns and unlock access for women
Zoopla figures highlight shifting buyer preferences and regional contrasts in market activity
