{"id":5497,"date":"2022-08-04T14:30:35","date_gmt":"2022-08-04T14:30:35","guid":{"rendered":"https:\/\/www.credit-score.com\/blog\/?p=5497"},"modified":"2022-08-22T10:34:47","modified_gmt":"2022-08-22T10:34:47","slug":"will-it-become-easier-getting-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/","title":{"rendered":"Will it Become Easier Getting a Mortgage?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">What&#039;s Included?<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#Introduction\" >Introduction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#How_will_this_help_those_applying_for_a_mortgage\" >How will this help those applying for a mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#What_are_the_negatives_when_getting_a_mortgage\" >What are the negatives when getting a mortgage?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#What_wider_effect_will_this_have\" >What wider effect will this have?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#Credit-Score_offers_two_fabulous_solutions\" >Credit-Score offers two fabulous solutions.<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Introduction\"><\/span>Introduction<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The <a href=\"https:\/\/en.wikipedia.org\/wiki\/Bank_of_England\">Bank of England<\/a> is the central bank in the country that has a lot of power. One of their powers is the control of interest rates and what they are set at. As we all know we are in a bad financial situation as a country. Inflation is rising and we have experienced some of the biggest tax rises in 70 years. One approach that the government is keen to use is the raising of interest rates.\u00a0After much pressure from the government the Bank of England is set to announce the biggest interest rate increase in 27 years. The new rate is set to be 1.75% which is a large increase from the low rates we have seen over the past few years. However, despite this could it suddenly become easier to get a mortgage? That is what we will take a look at in this article<\/p>\n<h2><span class=\"ez-toc-section\" id=\"How_will_this_help_those_applying_for_a_mortgage\"><\/span>How will this help those applying for a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When applying for a mortgage, the Bank of England requires lenders to take a affordability stress test. These tests were introduced in 2014 as a reaction to the 2008 financial crisis to stop people from borrowing more than they were able to. As of June 2022, the stress test rate is set at 4.91%. This test ensures that borrowers are still able to repay mortgage payments after a 4.91% increase above the lenders standard variable rate.<\/p>\n<p>However, the Bank of England will be getting rid of these tests as of August 2022. This means that there will be less tests and red tape for people to go through. Which in turn means it will be easier for people when applying for a mortgage. This could open up to more first time buyers getting onto the property ladder.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_are_the_negatives_when_getting_a_mortgage\"><\/span>What are the negatives when getting a mortgage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Whilst this all seems well and good there are some negatives to it. The first being that some banks and building societies may choose to keep the test. On one hand there wouldn\u2019t be much change as this is already the current way. On the other it can delay the process when applying for a mortgage or even have your application rejected.<\/p>\n<p>Secondly what we have to understand is that there are borrowing restrictions that remain. One of the biggest restrictions is that lenders won\u2019t allow anyone to borrow more than 4.5 times their annual salary. As we wrote in a previous article <a href=\"https:\/\/www.check.co.uk\/blog\/the-question-of-affordable-housing\/\">here<\/a> the average house price is 8.7 times an average annual salary. This will result in a lot of people struggling to get past these restrictions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_wider_effect_will_this_have\"><\/span>What wider effect will this have?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Finally looking from the position of the lender removing these checks will be nerving. As stated earlier we are in a cost of living crisis with inflation expected to reach 15%. This means that lenders will be hesitant to loan out money to people, especially with no checks in place.<\/p>\n<p>The other effect is to look at the position of the market. These tests were introduced because of the 2008 financial crisis which was caused by lending money people couldn\u2019t pay back. Without these tests whose to say that the same couldn\u2019t happen again? It\u2019s difficult to predict if history repeats itself, if people learn or if the pursuit of profit will trump all.<\/p>\n<h3 style=\"font-weight: 400;\"><span class=\"ez-toc-section\" id=\"Credit-Score_offers_two_fabulous_solutions\"><\/span>Credit-Score offers two fabulous solutions.<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"font-weight: 400;\">If you\u2019re preparing to take a mortgage, never apply until you\u2019ve tried our unique and\u00a0<a href=\"https:\/\/home.credit-score.com\/\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/home.credit-score.com\/&amp;source=gmail&amp;ust=1661250281502000&amp;usg=AOvVaw3DLzdwOokWdYYiAWepaOZb\">FREE Credit-Score Home app.<\/a>\u00a0Our smart technology will tell you what you need to fix so you avoid rejection. The app predicts when you will be able to buy, for how much and tracks your month-by-month progress to mortgage success. We\u2019ve even added your own mortgage broker, so you get the best deals available.<\/p>\n<p style=\"font-weight: 400;\">More focused on your credit rating? Well, get started for free with\u00a0<a href=\"https:\/\/www.check.co.uk\/register\" data-saferedirecturl=\"https:\/\/www.google.com\/url?q=https:\/\/www.check.co.uk\/register&amp;source=gmail&amp;ust=1661250281502000&amp;usg=AOvVaw1y4bwW3ZreyR4AVsqelp8F\">Credit-Score\u2019s 24- Factor Credit Check<\/a>\u00a0to truly help you improve your creditworthiness and how lenders view you. (Remember: lenders don\u2019t use your credit score! We\u2019ll show you what lenders look for and how to get your credit report in the best shape possible).<\/p>\n","protected":false},"excerpt":{"rendered":"The Bank of England is set to unveil a change in the mortgage application system. This change could see it become easier to get a mortgage. In this article we take a look at what this change is and what it spells out for people.\n","protected":false},"author":20,"featured_media":5518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[475,514,517,270,285],"tags":[710,479,333,355,470,477,734,616,210,519,520,495,523],"class_list":{"0":"post-5497","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-first-time-buyers","8":"category-first-time-buyer","9":"category-latest","10":"category-mortgages","11":"category-personal-finance","12":"tag-building-my-first-home","13":"tag-buying-first-home","14":"tag-finances","15":"tag-financial-control","16":"tag-first-home","17":"tag-first-time-buyer","18":"tag-first-time-buyers","19":"tag-first-time-homebuyer","20":"tag-mor","21":"tag-mortgage-application","22":"tag-mortgage-broker","23":"tag-mortgage-rates","24":"tag-mortgages"},"acf":[],"featured_image_src":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","author_info":{"display_name":"Oliver Rose","author_link":"https:\/\/www.check.co.uk\/blog\/author\/oliver-roseaffalo-co-uk\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides<\/title>\n<meta name=\"description\" content=\"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"og:description\" content=\"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\" \/>\n<meta property=\"og:site_name\" content=\"Check.co.uk - See the problems your credit score hides\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/creditscore.co.uk\" \/>\n<meta property=\"article:published_time\" content=\"2022-08-04T14:30:35+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-08-22T10:34:47+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1708\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Oliver Rose\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Oliver Rose\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\"},\"author\":{\"name\":\"Oliver Rose\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/b30e2ea18e1932f797c314c7bd684df9\"},\"headline\":\"Will it Become Easier Getting a Mortgage?\",\"datePublished\":\"2022-08-04T14:30:35+00:00\",\"dateModified\":\"2022-08-22T10:34:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\"},\"wordCount\":687,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"keywords\":[\"building my first home\",\"buying first home\",\"finances\",\"financial control\",\"first home\",\"first time buyer\",\"first time buyers\",\"first time homebuyer\",\"Mortgage\",\"mortgage application\",\"mortgage broker\",\"mortgage rates\",\"mortgages\"],\"articleSection\":[\"First Time Buyers\",\"First-time buyer\",\"Latest\",\"Mortgages\",\"Personal Finance\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\",\"url\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\",\"name\":\"Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides\",\"isPartOf\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"datePublished\":\"2022-08-04T14:30:35+00:00\",\"dateModified\":\"2022-08-22T10:34:47+00:00\",\"description\":\"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage\",\"url\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"contentUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg\",\"width\":2560,\"height\":1708},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.check.co.uk\/blog\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Mortgages\",\"item\":\"https:\/\/www.check.co.uk\/blog\/category\/mortgages\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Will it Become Easier Getting a Mortgage?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#website\",\"url\":\"https:\/\/www.check.co.uk\/blog\/\",\"name\":\"Check.co.uk - See the problems your credit score hides\",\"description\":\"See the problems your credit score hides\",\"publisher\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.check.co.uk\/blog\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#organization\",\"name\":\"Credit-score\",\"url\":\"https:\/\/www.check.co.uk\/blog\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/06\/logo-check-black.png\",\"contentUrl\":\"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/06\/logo-check-black.png\",\"width\":705,\"height\":279,\"caption\":\"Credit-score\"},\"image\":{\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/creditscore.co.uk\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/b30e2ea18e1932f797c314c7bd684df9\",\"name\":\"Oliver Rose\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/f12906b6d1c7033f2ee81f80e11809e3ca3a4bf5e147b7bd504f89f3e628b904?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/f12906b6d1c7033f2ee81f80e11809e3ca3a4bf5e147b7bd504f89f3e628b904?s=96&d=mm&r=g\",\"caption\":\"Oliver Rose\"},\"url\":\"https:\/\/www.check.co.uk\/blog\/author\/oliver-roseaffalo-co-uk\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides","description":"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/","og_locale":"en_GB","og_type":"article","og_title":"Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides","og_description":"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.","og_url":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/","og_site_name":"Check.co.uk - See the problems your credit score hides","article_publisher":"https:\/\/www.facebook.com\/creditscore.co.uk","article_published_time":"2022-08-04T14:30:35+00:00","article_modified_time":"2022-08-22T10:34:47+00:00","og_image":[{"width":2560,"height":1708,"url":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","type":"image\/jpeg"}],"author":"Oliver Rose","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Oliver Rose","Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#article","isPartOf":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/"},"author":{"name":"Oliver Rose","@id":"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/b30e2ea18e1932f797c314c7bd684df9"},"headline":"Will it Become Easier Getting a Mortgage?","datePublished":"2022-08-04T14:30:35+00:00","dateModified":"2022-08-22T10:34:47+00:00","mainEntityOfPage":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/"},"wordCount":687,"commentCount":0,"publisher":{"@id":"https:\/\/www.check.co.uk\/blog\/#organization"},"image":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","keywords":["building my first home","buying first home","finances","financial control","first home","first time buyer","first time buyers","first time homebuyer","Mortgage","mortgage application","mortgage broker","mortgage rates","mortgages"],"articleSection":["First Time Buyers","First-time buyer","Latest","Mortgages","Personal Finance"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/","url":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/","name":"Will it Become Easier Getting a Mortgage? | Check.co.uk - See the problems your credit score hides","isPartOf":{"@id":"https:\/\/www.check.co.uk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage"},"image":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage"},"thumbnailUrl":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","datePublished":"2022-08-04T14:30:35+00:00","dateModified":"2022-08-22T10:34:47+00:00","description":"Getting a mortgage could suddenly become easier with a new policy that could be soon introduced by the Bank of England.","breadcrumb":{"@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#primaryimage","url":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","contentUrl":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2022\/08\/towfiqu-barbhuiya-05XcCfTOzN4-unsplash-scaled.jpg","width":2560,"height":1708},{"@type":"BreadcrumbList","@id":"https:\/\/www.check.co.uk\/blog\/mortgages\/will-it-become-easier-getting-a-mortgage\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.check.co.uk\/blog\/"},{"@type":"ListItem","position":2,"name":"Mortgages","item":"https:\/\/www.check.co.uk\/blog\/category\/mortgages\/"},{"@type":"ListItem","position":3,"name":"Will it Become Easier Getting a Mortgage?"}]},{"@type":"WebSite","@id":"https:\/\/www.check.co.uk\/blog\/#website","url":"https:\/\/www.check.co.uk\/blog\/","name":"Check.co.uk - See the problems your credit score hides","description":"See the problems your credit score hides","publisher":{"@id":"https:\/\/www.check.co.uk\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.check.co.uk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.check.co.uk\/blog\/#organization","name":"Credit-score","url":"https:\/\/www.check.co.uk\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.check.co.uk\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/06\/logo-check-black.png","contentUrl":"https:\/\/www.check.co.uk\/blog\/wp-content\/uploads\/2025\/06\/logo-check-black.png","width":705,"height":279,"caption":"Credit-score"},"image":{"@id":"https:\/\/www.check.co.uk\/blog\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/creditscore.co.uk"]},{"@type":"Person","@id":"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/b30e2ea18e1932f797c314c7bd684df9","name":"Oliver Rose","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.check.co.uk\/blog\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/f12906b6d1c7033f2ee81f80e11809e3ca3a4bf5e147b7bd504f89f3e628b904?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f12906b6d1c7033f2ee81f80e11809e3ca3a4bf5e147b7bd504f89f3e628b904?s=96&d=mm&r=g","caption":"Oliver Rose"},"url":"https:\/\/www.check.co.uk\/blog\/author\/oliver-roseaffalo-co-uk\/"}]}},"_links":{"self":[{"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/posts\/5497","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/users\/20"}],"replies":[{"embeddable":true,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=5497"}],"version-history":[{"count":3,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/posts\/5497\/revisions"}],"predecessor-version":[{"id":5535,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/posts\/5497\/revisions\/5535"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/media\/5518"}],"wp:attachment":[{"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=5497"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=5497"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.check.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=5497"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}