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.
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
Lender reports higher share of individual borrowers between June and October
Spike in online searches on Dec. 26 forecast to jump-start 2026 home moves
Rising costs and tighter margins are squeezing SME cashflow – and automated underwriting doesn’t always know what to make of it
Frozen thresholds and rising costs are quietly tightening the screws on SME and self‑employed borrowers
What these shifts mean for brokers' strategies — and where opportunities are emerging
HSBC survey reveals brokers' top priorities for government reform
Industry calls for fewer failed transactions and higher standards
Changes to affect two- and five-year deals across multiple LTV bands
