Affordability Checks
Independent, plain-English guides on affordability checks, part of our Credit Score hub.
How UK Lenders Calculate Affordability and DTI (UK)
UK affordability checks go beyond credit score, factoring in income, outgoings and debt-to-income ratio. Here's exactly what lenders assess and why.
What Do Lenders See on Your Bank Statements? Explained
Many UK lenders review recent bank statements as part of affordability checks. Here's exactly what they look for, and how to prepare before applying.
What Counts as "Essential Spending" in an Affordability
Lenders separate essential spending from discretionary spending when assessing affordability. Here's how that split actually works in UK applications.
How Gambling and Buy Now Pay Later Use Affect Checks
Gambling transactions and BNPL use are increasingly scrutinised in UK affordability checks. Here's what lenders look for and how to prepare.
How Lenders Assess Self-Employed and Irregular Income
Self-employed and freelance income is assessed differently to a salary. Here's how UK lenders actually evaluate irregular earnings for affordability.
How Subscriptions and Existing Commitments Are Assessed
Streaming services, gym memberships and other recurring commitments quietly add up. Here's how UK lenders factor them into affordability checks.
What Is an Open Banking Affordability Check? Explained
Open Banking lets lenders securely view real transaction data instead of relying on statements or estimates. Here's how it works and what it means for you.
How Lenders Assess Your Overdraft Usage – UK Guide
Regular overdraft use can quietly signal financial strain to lenders. Here's how UK affordability checks treat overdrafts, and how to manage yours before.