How a 40-Year Loans Engine Was Forced to Reinvent Itself Ahead of 2025

https://www.unitedbookmarkings.win/what-lenders-actually-accept-real-ltv-limits-equity-rules-and-who-gets-the-stretch

How a Legacy Lending Platform Ended Up on the Regulator's Radar In 2023, a mid-sized UK lender we'll call "Heron Credit" ran a loans engine that had quietly powered approvals for 40 years