Thousands of UK mortgage applicants continue to face barriers to homeownership due to what experts describe as a “broken” and “outdated” mortgage system.

New research from specialist lender Together highlights the plight of so-called ‘non-standard’ borrowers – individuals who don’t meet the rigid lending criteria of mainstream banks and building societies.

The report found that while 19% of non-standard mortgage applicants were rejected between 2017 and 2022, rejection rates…