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.
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
Energy bills are the second biggest household outgoing after a mortgage, so why aren't they factored into affordability?
Your round-up of mortgage rate changes and product updates over the past week
It’s been a painful year for landlords, but there’s a light at the end of the tunnel
