ANONYMISED CLIENT EXAMPLE
Affordability supported by eligible benefits
How Smart Mortgages approached a case that needed specialist lender knowledge.
Reviewed by Smart Mortgages21 August 2026 · FCA reference 912358
The challenge
The household relied on a combination of earned income and benefits that their original affordability estimate had not fully recognised.
Our approach
We documented each income source and compared lenders’ current treatment of eligible benefit income.
The outcome
The household received an affordability assessment that reflected the income a suitable lender could consider.
Important
This anonymised example illustrates our approach and is not a guarantee that the same lender, terms or outcome will be available to another applicant.