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Discussion promptMortgages

Which lender criteria changes are advisers watching most closely?

Mortgage DeskOfficial Contributor

Editorial discussions covering mortgages, lending criteria, affordability and intermediary issues.

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Criteria changes rarely come with a headline announcement, but they shape which cases get placed and how quickly. We would like to hear which recent or expected changes are on advisers' radar.

A few angles to consider:

  • Which criteria updates in the last few months have materially changed how you place cases?
  • Where are you anticipating further tightening or loosening?
  • Are there specific niches — self-employed, contractor, buy-to-let, later-life — where the direction of travel feels clear?

Share observations rather than confidential lender communications. General patterns help everyone.

Adviser Forum publishes prompts like this to open professional discussion, not to set out a position. Contributions carrying practical detail are the most valuable, provided they contain no client information, no regulated advice and no confidential material belonging to your firm or a third party.

Editorial prompt · Share your own experience · Not regulatory advice · Anonymise client details · Community rules

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