'Any other information you think relevant to your application'...

LizEstelle

... and you find yourself, having filled in the mortgage proposal so meticulously, facing a nice, square block of white onto which you can scribble all those other cute little facts that the composer of the form couldn't think of.

You know...

... It's the place where applicant A, who splurges out on fancy foreign holidays and Mercs is very careful to put down... nothing...

...and applicant B, after much agonising and on an identical gross income, carefully writes down that he occasionally goes to the expense of buying fish and chips...

... and then the lender, having carefully weighed things up, turns down B and accepts A....

thriftymomma

That's life! lol

LizEstelle

Nope... that's the current state of lenders' more or less useless 'affordability' checking.

They only check one side of the equation - income - and pretty poorly at that.
Gobsmackingly, no importance seems to be attached to outgoings.

Result: rank unfairness and illogic throughout the system, as illustrated by the OP example.

Nobody has the right to start prattling on about 'lie-to-buy' brokers while the basic financial assessment of an applicant is allowed to remain at this abysmal level.