This week’s comment came in response to research from Bluestone Mortgages which showed that over three quarters of those surveyed who were self-employed, had a blip in their credit history or no credit history, but their financial situation was otherwise stable, had decided not to apply for a mortgage due to a fear of rejection.

Reader 5Lk9m2Q7NR said: “[It is] Not only retail customers but also brokers [that] are in fear of rejection. We are a broker but we are picky on our customers. We are worried a rise of rejection will lead to panel removal which basically means [the] end of our business. We avoid tricky cases and this eventually hurts customers.

“I’d blame lender’s non-transparent broker panel review process.”