Today, I was trying to revamp the Mortgage Affordability Calculator on the site.  Make it easier to use and accurate.  But the reality is, I can't. Unlike the mortgage Calculator and Stamp Duty Calculator, which are truthful, there is no single truth with mortgage affordability.  And that's why I can't stand by it. Key reasons The mortgage market is heavily regulated, with strict rules governing affordability. However, beyond these rules, there is also regulatory guidance, which gives lenders discretion in how certain aspects are assessed, provided they meet the spirit of tha...