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Hi AJ,
Thank you for your intro and offer of listening ears, we're all happy to list our bugbears :)
We could do without the question about anticipated plans for future occupations/employment allowing the client to continue working until the chosen retirement age... I mean, all we can do is waffle about carrying on working and hoping that redundancy/illness/lockdown/etc. never happens and if it does, the client will be able to continue or find another job... I hardly think that it covers anyone's backside in case of a complaint/FCA audit, etc.
Or the question about how potential changes in circumstances were reflected in the affordability calculator... in this case, are we seriously expected to run endless permutations of changes in income and outgoings due to various potential changes of circumstances and anticipated future costs based on hypothetical inflation rates and other guesstimates? I would think not...
No other lender has these pointless questions, Santander could do without them as well
