FCA proposes mortgage rule shake-up to widen access to borrowing
Original Article Summary
Reforms aim to widen access to homeownership while maintaining consumer protections
Investor Analysis
The FCA is consulting on mortgage rule changes to broaden access for self-employed, variable-income, and older borrowers by giving lenders more flexibility in affordability assessments. If implemented, these reforms could expand the active buyer pool and affect demand dynamics across residential property markets.
Investor Relevance
Wider mortgage access could increase buyer demand, supporting capital values and exit liquidity for investors. It also signals a potential structural shift in who can access homeownership, which is relevant to BTR and PRS demand assumptions, and to refinancing strategies for older or self-employed landlords.
Original Source:
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