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.
PRA seeks greater flexibility as high loan-to-income lending expands
February borrowing and approvals rise, though energy and inflation risks cloud the outlook
Market volatility linked to Middle East conflict prompts fresh rate hikes and tighter stress tests
Globally mobile expats are reshaping UK BTL – are you ready to capture the opportunity?
Low-deposit mortgages open doors for first-time buyers – but risks remain
Scenes shot in local villages bring fresh, star-studded spotlight to the area and could amplify interest in an already supply-constrained rural market
Brokers and lenders say lending appetite is expanding in specialist areas, but warn current models may not reflect real borrower behaviour
A Spring Statement low on housing market drama initially felt reassuring, yet the scale of her tax take and Middle East uncertainty both loom large
Market tone, funding costs and borrower decisions hinge on economic signals rather than new housing policy
Cheaper borrowing and rising wages mean buying now beats renting on around 40% of homes for sale, especially in northern England and Scotland
