u/ApartVisit8658

Due to personal reasons I may not be in work at the time we can start thinking of renewing our mortgage to a new fixed year offer. Between then and the end of our current fixed term, I would hope to find employment of some capacity (not fussy, happy to just be working but will likely be taking a pay cut). If we were to stick with our current lender, am I right in thinking they don’t carry out affordability checks? What information would they need? I’m aware this means we might not have access to the best rates and we would definitely seek financial advice/a mortgage broker to check what would be on offer but just trying to determine worst case scenarios. We are currently with hsbc if that makes any difference.