Affordability isn’t a tick-box exercise. It’s a balancing act.
It’s about taking the time to understand the full picture:
- Spending behaviour – not just what’s on paper, but how clients actually manage money
- Existing debt commitments – and how sustainably they’re being maintained
- Cost-of-living pressures – which continue to shift month by month
- Future rate resilience – and whether a case still works if circumstances change
That’s why more brokers are turning to lenders like Bluestone where cases are assessed on the full picture, not just the credit score. In practice, that can mean:
- Up to 4 defaults & 3 CCJs in the last 3 years (unsatisfied)
- Smaller blips under £500 ignored
- Active IVAs considered (discharged on completion)
- Up to 4 applicants / 4 incomes
As the market continues to shift, the brokers who adapt their approach to affordability will be the ones best placed to support a wider range of clients. Have a case that doesn’t quite fit the high street mould? It might be worth Bluestone taking a closer look.
Semi-exclusives available via 3mc.
At 3mc, we have a team of expert advisers who can discuss all your mortgage requirements. If you would like to discuss your options, give the 3mc team a call on 0161 962 7800.
All calls are recorded for training and monitoring purposes. 3mc for intermediaries only.
*Your home may be repossessed if you do not keep up repayments on your mortgage. 3mc (UK) Ltd is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register https://register.fca.org.uk/s/ under reference 302992. Please note: The FCA do not regulate Business Buy to Let Mortgages.
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