Affordability buffer
Credit scores & reportsExtra headroom lenders expect after essential spending and repayments.
Overview
Buffers are used to ensure you can cope with unexpected costs.
They reduce the risk of over-borrowing.
Why it matters
- It can limit how much you are approved for.
- It improves financial resilience.
- It supports responsible lending.
FAQs
Can a buffer reduce my loan offer?
Yes. It may reduce the amount lenders are willing to offer.
Do all lenders use a buffer?
Most do, but the size can vary.
Related terms
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