We have made some improvements to our affordability assessment. Here are the highlights, and our criteria guides.

• We can now accept child benefit for children up the age of 13;
• We can accept some form of benefits income (please refer to the guide), provided our employment criteria is met;
• Where an applicant has defaults, we will not include the payment amount in the affordability calculation, except where the applicant is currently paying.

Download our latest residential criteria guide here.