Posted Date: 10/11/2025
Sometimes, a mortgage application can be declined even when everything seemed fine at the start. One reason this can happen is when a lender updates their criteria during the process.
Why It Happens
Lenders review and adjust their criteria based on the wider market, interest rates, and risk policies. This means that what was acceptable one month might not meet the same standards the next. These changes can affect income thresholds, deposit requirements, or the types of property a lender will accept.
Moving Forward
If your mortgage was declined because of a change in criteria, it doesn’t necessarily mean you’ve done anything wrong. Reviewing your application and speaking to a broker can help identify other lenders whose criteria better fit your circumstances.
At Muuvin Mortgages & Protection, we offer a no-obligation call to help review declined applications and understand what might have changed. You can also view more details about mortgage criteria on our dedicated page: When the Broker Says No.
Do lenders change criteria often?
Yes, lender policies can change throughout the year depending on market conditions.
Can I reapply elsewhere straight away?
Yes, though it’s best to first confirm why you were declined before applying again.
Does a criteria change affect my credit score?
No, a change in lender criteria itself doesn’t impact your credit file.
Disclaimer
Your home may be repossessed if you do not keep up repayments on your mortgage.
This article is for general information only and should not be taken as advice. Mortgage applications are subject to status and lender criteria. The information provided is correct as of the date it was posted and may be subject to change without notice.
