As affordability pressures continue, brokers and lenders have an increasingly important role to play in helping these customers find the right route to homeownership. At The Mortgage Lender, for example, we have continued to evolve our proposition by considering the latest year's trading figures, using pre-tax profit plus salary for limited company directors, supporting applicants with as little as 12 months' trading history and taking a broader view of income sources. These developments reflect a wider market trend towards more flexible underwriting designed around modern working patterns. Lender Partner Article 10 By understanding the realities of modern income and adopting a more flexible perspective on affordability, the industry can help ensure that homeownership remains accessible to those who are working hard to achieve it. Because for today's bold borrowers, the dream of owning a home has not disappeared. They are simply finding new ways to make it happen. Find out more about The Mortgage Lender’s offering. TML Home A-Loan report, 2025. Methodology - Research undertaken on behalf of Shawbrook Bank by Pegasus Insight amongst a nationally representative sample of 2,010 UK adults aged 18+, including 470 mortgagees and 391 private renters. 688 were potential First Time Buyers. Fieldwork completed between 12th and 16th May 2025.
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