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Self-employed workers will have to go through a range of extra checks as lenders make it tougher to get a mortgage.

David Byers of The Times points out Barclays, HSBC, Metro Bank, TSB, Coventry Building Society, Virgin Money and NatWest have all tightened restrictions and others have stopped accepting irregular forms of earnings, such as commissions, freelance work, overtime or bonuses, as income.

Aaron Strutt from Trinity Financial told The Times the stamp duty relief would be of limited help to some self-employed borrowers and first-time buyers with less than a 10% deposit, so long as mortgage availability remained constrained.

“With so much talk about the impending recession, the risk teams at the lenders are worried about affordability and want to ensure that people can pay their mortgage,” he said.

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