April 1, 2025
Do all mortgage lenders use the same affordability assessment?
Do mortgage lenders all use the same mortgage affordability assessment? This is a question from someone who was recently refused a mortgage by a lender.
Read articleSome notes on housing-market research, methodology updates, and source notes, built to show how the signals are interpreted and where the numbers come from. Best case, you find it interesting, worst, you killed some time whilst the kettle boils.
April 1, 2025
Do mortgage lenders all use the same mortgage affordability assessment? This is a question from someone who was recently refused a mortgage by a lender.
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March 17, 2025
When is the right time to switch rates on a mortgage? That is the question that I have had by email. Unfortunately, there is no really simple answer, but you can decide what's best for you at any point in time
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October 25, 2024
A question recently received poses an interesting quandary about whether to use bonus payments to reduce a mortgage or top up a pension.
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March 21, 2021
Who should assess your affordability when borrowing against your property and it is from a different lender to your main mortgage? Will it be your original lender or the one you are borrowing from?
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April 19, 2021
Suppose you buy a property and want to allow your parents or other family members to live in it? Sounds simple and it is unless you need a mortgage on the property. Lenders are not keen on family members being tenants.
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May 3, 2021
When applying for a mortgage the affordability assessment every lender will carry out will be affected by the level of other debt you have. How much debt is too much?
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