Mortgage approvals in 2026 are driven by behaviour, risk, and long-term affordability — not just income and credit scores.
Income Stability and Quality
Lenders prefer predictable income. Variable earnings may be reduced or excluded depending on consistency and history.
Spending Patterns
Bank statements reveal how applicants manage money. Overdraft usage, gambling, and inconsistent spending can raise red flags.
Credit Behaviour Over Time
Lenders assess trends, not snapshots. Rising balances and frequent searches matter more than a single score.
Property Suitability
Lease length, service charges, construction type, and valuation all affect lender appetite.
Future Risk
Stress testing ensures affordability if interest rates rise or income changes.
Why Lender Choice Matters
Different lenders assess risk differently. Choosing the right lender is often more important than chasing the lowest rate.