Santander's mortgage affordability checks take the cake | Money | guardian.co.uk
Being generous at Christmas and birthdays could seriously hinder your chance of getting a mortgage following a decision by one of Britain's biggest banks to introduce strict affordability checks.
Santander has changed the way it asks would-be borrowers about their outgoings, now requiring them to provide detailed information about their "regular" and "non-regular" expenditure.
While few will be surprised that the bank is inquiring about regular outgoings such as utility bills and transport costs, some may be concerned to learn it is probing into areas such as how much they spend on birthdays.
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