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# How to beat the mortgage affordability test!
- URL: https://wisener.net/how-to-beat-the-mortgage-affordability-test/
- Published: 2024-02-10T00:00:00.000Z
- Updated: 2026-10-12T18:27:37.000Z
- Description: How do you beat the mortgage affordability test? That is, if you couldn't get a mortgage by telling the truth, what are your options? Ok, let's talk about it.
- Author: Lee Wisener
- Tags: Affordability, #Import 2026-10-12 18:55

I have been decorating at home for the last few weeks and have been quiet. Today, I am looking through the many emails and messages I get. Admittedly, not just from the last couple of weeks or months; I am that far behind.

I get recurring questions from people asking me if there is a way around the mortgage affordability test. It’s coming from people who either know they will fail for one reason or another or suspect they will.

So, I want to address all of those questions in this post, hoping it stops or reduces more asking.

## You can beat the mortgage affordability test

It’s simple. Lie and falsify documents.

There you are. That’s the answer to beating the mortgage affordability test.

## But should you?

Of course not. And I wouldn’t even suggest it as being a remotely good idea.

This isn’t just about me. Adopting a position of honesty because it’s a public blog or because of my job. That said, I believe in doing the right thing; the right thing is telling the truth. It’s not worth lying or going to the required lengths you would need to do in order to get a mortgage.

Are you willing to create, find or pay someone else to create fake payslips and bank statements, for example? You realise how serious that is, right? I mention this because that was a suggestion I received in one message that someone was considering.

Think about what happens when, rather than if, you get caught. Lenders use a system called Hunter that registers false applications. After that, every lender will see this, and guess what? That’s right, they won’t even consider you.

## I honestly get it

People are frustrated, and perhaps they hit a bad patch that has now passed, or there is some other issue that lenders have that some believe isn’t fair and need someone to give them a break. Lying is not the way. And some will do it anyway, I won’t help and can’t stop it. 

Do the right thing, no matter how difficult that may be.