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.
Graham McClelland of Gen H on the signals lenders actually monitor and what that means for mortgage costs
Self-employed, older homeowners and those with variable income among groups set to benefit from proposed changes
Appetite for AI and automation rising, though scepticism remains
With rates elevated and borrower profiles growing more complex, broker says AI is quietly moving to the centre of the mortgage process
Lending criteria could shift faster than borrowers expect as millions of fixed deals expire in 2026
Find out how Together for intermediaries helps UK mortgage brokers place complex cases, access specialist lending, and grow business in today’s market.
Most brokers report quicker processing, yet non-standard borrowers remain exposed to key bottlenecks
Rely’s Heena Thaker on how three phases of new tenancy rules could reshape your advice
Landlords cite Section 21 reforms as the main concern, with many planning stricter vetting
Your round-up of mortgage rate changes and product updates over the past week
