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.
New joint borrower option lets family support first-time buyers without a deposit or shared ownership
An apprentice at 16, the now senior adviser has navigated the mini-Budget, rate shocks and geopolitical turmoil
Subsidence exposure in over 103,000 converted properties raises valuation concerns for UK mortgage brokers and lenders
Brokers receive daily £100k enquiries with nowhere to place them
Premium adds £456 a month to mortgage repayments and demands £17,000 more in household income
The political ground shifted dramatically this weekend. Starmer is drawing up a timetable for departure, Reeves is facing the sack, and Andy Burnham walks into Westminster on Monday. Here’s what it means in practice — for mortgage rates, property taxation, buy-to-let and your clients
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
