Skip to main content

How tight are mortgage lending standards?

Smaller down payments and rising debt-to-income ratios might be an indication that mortgage lending standards are once again being relaxed to dangerous levels. But the Ability to Repay rule is restricting access to such loans to buyers with high credit scores. Compared to the boom years, or even the preboom years, a significant share of households are therefore still locked-out of the mortgage market.

Subscriber content

Read this in full, free

Start a free trial and use one of your 10 free starter credits to unlock this piece.


Free. 10 articles. No card required.

By completing this form you are agreeing to our Terms and Conditions for the provision of a free trial of Capital Economics' services. We take your privacy seriously and will not share your details with others without your consent. By providing your details, including your email address, you are consenting to Capital Economics sending you macroeconomic commentary and analysis. You can unsubscribe at any time. See our Privacy Policy for more information.