It is wrong to not include people who have fixed rate taxes on their mortgage . I am paying a whopping 7.5% interest rate on my mortgage and have been for the past 5 months and I am not permitted to have my interest rate reduced or anything as they say it’s a fixed rate . This is unjust to those of us who are paying double the cost now for mortgage due to the higher interest rate .
Agreed! You shouldn’t have to re-prove income when reapplying for a LOWER current interest rate.