‘Lower repayments will make a difference’: The young buyers who will get relief from proposed loan changes

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Would clearing the student loan make it easier for me to get a mortgage? student loans don’t go on your credit report, so don’t have an impact on your credit score when getting a mortgage. However, they do impact your ability to repay – if you’re earning over 25,725 (26,575 from April 2020 ) – because you have lower take-home income.

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These price changes do not include the incentives – the free upgrades of finishes, counter tops, and the like – that homebuilders dangle in front of potential buyers to make deals. With incentives, buyers get a little more for the same price. The price declines in the chart are on top of that. The trend via the three-month moving average.