TSB is making temporary changes to its affordability assessment for furloughed workers tomorrow.

The lender has emailed brokers to say that all applicants who have been furloughed must supply a letter from their employer confirming its intention to continue to offer them employment.

The letter must be dated within four weeks of the full mortgage application and specify the date at which the applicant is due to return to work.

It must also state whether the applicant will return as a full-time or part-time employee.

The letter must confirm the employer’s financial responsibility, under the Government Coronavirus Job Retention Scheme, to contribute towards national insurance, pension contributions and the applicant’s salary if returning to work after July 31.

A coronavirus income impact form must be completed alongside the application and the salary entered must reflect the borrower’s earnings at the point of submission.

For applicants who are employed but have not been furloughed, applications must reflect any salary cuts that have been made as a result of the Covid crisis.

TSB says pipeline cases that are submitted before tomorrow will be manually underwritten and assessed in line with current criteria.