9 articles tagged with Affordability.
Why UK mortgage applications get declined in 2026/27 — from credit history and affordability to undisclosed debts and inconsistent income — and what to fix before you reapply.
Should a couple apply for a UK mortgage jointly or in one name only in 2026/27? Affordability, ownership, credit history, and Stamp Duty implications compared.
Unmarried couples buying together face the same affordability tests as married couples — but none of the legal protections. Worked examples and how to protect your share.
Guarantor mortgages help first-time buyers with insufficient income or deposit get on the ladder. Here's how they work, what the guarantor risks, and how they compare to JBSP mortgages.
How joint borrower sole proprietor (JBSP) mortgages work in 2026: who qualifies, the tax and stamp duty angles, risks for helpers, and how to model affordability.
June 2026 UK house price data: regional analysis (London, South East, North West, Scotland), price-to-income affordability ratios, first-time buyer vs home mover patterns, and H2 2026 forecast.
Lenders assess whether you can afford repayments at a much higher rate than today's deals. Here is exactly how the stress test works and what to do if you fail it.
A joint borrower sole proprietor mortgage lets a parent boost your borrowing without going on the deeds, so you can still claim first-time buyer SDLT relief up to GBP 300,000. Here is how the structure works and its tax traps.
How lenders calculate what you can borrow in 2026: income multiples, stress tests, credit scoring, self-employed applications and how to maximise your affordability.
