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As Britain enters the most serious phase yet in its fight to tackle the coronavirus crisis, the traditional “spring selling season” in the housing market has been all but forgotten. 

Aaron Strutt, product director at mortgage broker Trinity Financial, said a 20 per cent income cut for furloughed borrowers would mean many existing mortgages were technically no longer affordable. “Some of the lenders will ask existing customers if there has been a change to their income when they come to switch deals and, if they say yes, they may be stuck on an expensive standard variable rate.”

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