Affordability stress test
Credit scores & reportsA check that tests whether you could afford repayments if costs rise.
Overview
Stress tests are common for mortgages and long-term loans.
They assume higher interest rates or reduced income.
Why it matters
- It can reduce the amount you can borrow.
- It protects against future financial shocks.
- It supports responsible lending decisions.
FAQs
Is a stress test the same as a credit check?
No. It is an affordability check, not a credit search.
Can I fail a stress test with a good score?
Yes. Affordability depends on income and outgoings.
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