Responsible lending
Deposit constraints are not, in themselves, a proxy for affordability
We support lending propositions aimed at credit-worthy borrowers who can sustain mortgage repayments, while ensuring that underwriting discipline, affordability assessment and servicing standards remain robust.
By design
All programmes are designed to
- Operate within established regulatory frameworks
- Support clear lender governance and auditability
- Prioritise long-term customer outcomes
- Avoid volume-driven or lightly underwritten lending