Checking people can afford mortgages and slowing house prices is wise | Mail Online
‘Sorry, you can’t have a mortgage.’ Those are not the words anyone cultivating a homebuying dream wants to hear, whether they are a first-time buyer or a family moving up the ladder.
And for a heady few years, they were not the words a bank or building society liked to say either – instead preferring lines such as: ‘would you like to borrow some more to cover arrangement fees, pay stamp duty, buy some carpets etc?’
Now, just four years after that great credit boom started to spectacularly unravel, and took world economy with it, we have the British arrival of prospective tougher new homeloan rules in the form of the Mortgage Market Review, and people will be hearing the dreaded ‘no’ a little bit more often.
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