Credit Underwriter’s Desk

Professional reference aid only. The Underwriter’s Desk provides general calculations, sourced reference information and neutral assessment prompts. It is not an underwriting manual, insurer/reinsurer philosophy, lending policy, medical advice, financial advice or a substitute for professional judgement. Criteria, evidence requirements, definitions and acceptable thresholds vary between firms and can change. Always apply your organisation’s current policy, authority limits and approved source material. Garfield Stephens does not make or recommend underwriting, insurance or lending decisions through this tool.

For professional reference only. This page provides arithmetic calculators, sourced regulatory definitions and neutral assessment prompts. It is not lender policy, a mortgage affordability assessment, regulated financial advice, credit advice, an approval/decline tool or a substitute for professional judgement. Income treatment, commitments, stress rates, ICR thresholds, LTV limits, evidence requirements and lending criteria vary by lender, product and time. Any threshold or stress rate entered into the tool is the user’s own working assumption and is not endorsed by Garfield Stephens. Always apply your organisation’s current lending policy, authority limits, FCA/PRA requirements as applicable, and approved source material. Do not enter identifiable customer/applicant or account information.