Now available to the end of June, the Job Retention scheme was accessed this morning by employers to make 67,000 job claims in the first 30 minutes of the website going live. This is having a knock on impact for lenders as they look to tighten affordability and income they will now accept. Virgin Money and Clydesdale Bank, who are now part of the same group, are the latest lenders to make some temporary changes to their lending policy which means affordability will be based on basic salary only, and anyone’s income that comes from someone designated as furloughed or having applied for the self-employed income support scheme, is not being used in the affordability assessment.