Matthew Tansley

For years, mortgage borrowing was simplified into income multiples. Earn £X.Borrow roughly Y times salary.That becomes “your” affordability. A lot of borrowers still think about mortgage affordability that way. Modern affordability modelling no longer works like a simple borrowing limit attached to the borrower. Lenders aren’t just measuring income. They quietly reward certain types of lives. Regular payslips. Stable structures. Easy explanations. Cases that fit neatly inside institutional expectations.

Most websites will tell you lenders have different criteria.

Fantastic POV by Rajan Nair. Please do give this a read! "The honest answer is that there is no perfect historical parallel for what is happening right now. Previous waves of automation changed how industries operated. This one is changing how industries think. The institutions that will lead are not the ones looking for a roadmap from the past. They are the ones rebuilding deliberately, with their people, their processes, and their operating models aligned around what AI actually makes possible.