A quarter of people think they need to wait over five years after a CCJ before submitting a mortgage application.
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The Bank's cheapest mortgage rate has risen from 3.74% to 4.04%.
More than one in five younger adults admit to calling in sick to work due to stress triggered by their mortgage application.
The group says stamp duty reform would drive energy efficiency and boost the housing market.
Despite high levels of supply, buyers are still battling significant market uncertainty and affordability concerns.
Consumer confidence in household finances held steady, despite anticipated fluctuations in both housing an energy costs.
The team has been involved in over £1bn of commercial real estate transactions.
The company will now consider lending more than £5m on a case-by-case basis.
Average mortgage rates are now at their lowest level since May 2023.
Paul Glynn, CEO of Air, underscores the importance of advisers having comprehensive conversations to guide their over-50 clients through the maze of options available to them.