Each week, we also round-up the best comments, emails and letters to the site and pick one reader contribution as our Star Letter. This week’s award goes to:

MMR will be seen as a success – Lloyds

I believe that we had reached a more than satisfactory way of assessing affordability before MMR was fully implemented. Advise your clients to adjust their lifestyle 6 months before you decide to move. Reduce expenditure on food, clothing, travel, holidays and recreation.

Oh and don’t forget to cancel your pension, child care, dental subscription and health insurance. In other words put your family at risk and contribute to a decline in consumer spending and create another recession. No-one wants a return to the risky lending of the past, but let’s be sensible.

Dismayed Broker

Sponsored

How to get your first-time buyer clients mortgage ready

Sponsored by Halifax Intermediaries

You can read more of this week’s best reader comments in our Star Letter Extra column HERE.