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@kisame2602 No. You show the bank that you can't service the loan and they will refuse to lend to you. It's that simple. That staistfies "pending finance"

@kisame2602 I got not idea. Was just playing devils advocate about how easy it could be abused

@kisame2602 It's very very easy. "I had an unexpected lifestyle change, my living expenses are now X+5/10/50" "My partner has reason to believe their hours are going to be reduced" "We are now expecting a baby, my partner will not be working in 9 months" Lender will officially deny finances...