A mortgage affordability check is a process used by lenders to assess whether you can afford to repay a mortgage loan. It typically involves reviewing your income, outgoings, credit history, and any existing debts. Lenders will calculate your debt-to-income ratio and may also consider stress testing your finances against potential interest rate rises. This check helps ensure that borrowers do not take on more debt than they can handle. For the most accurate assessment and advice, it’s a good idea to consult with a mortgage adviser who can guide you through the process.