{"id":17073,"date":"2024-02-09T14:41:15","date_gmt":"2024-02-09T14:41:15","guid":{"rendered":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/?page_id=17073"},"modified":"2026-02-20T13:26:13","modified_gmt":"2026-02-20T13:26:13","slug":"affordability","status":"publish","type":"page","link":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/","title":{"rendered":"3.4 Affordability"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"17073\" class=\"elementor elementor-17073\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-406750d elementor-section-height-min-height elementor-section-content-middle elementor-section-stretched elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"406750d\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;49a2fd5&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a5c287\" data-id=\"5a5c287\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0ff4982 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ff4982\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;be27c89&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-750c844\" data-id=\"750c844\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6cd5c02 elementor-widget elementor-widget-heading\" data-id=\"6cd5c02\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sales Procedure Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f750e9d elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f750e9d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fd7fa9f elementor-widget elementor-widget-text-editor\" data-id=\"fd7fa9f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"color: #ffffff;\">3.4<\/span><span style=\"color: #54b8b1;\">\u00a0\/\/<\/span><span style=\"color: #ffffff;\">\u00a0Affordability<\/span>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-da54f9a\" data-id=\"da54f9a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-712e0e9 elementor-section-content-middle elementor-section-stretched elementor-hidden-desktop elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"712e0e9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;49a2fd5&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;gradient&quot;,&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1a19cb9\" data-id=\"1a19cb9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-5b86906 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b86906\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;be27c89&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3c08fef\" data-id=\"3c08fef\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff91f33 elementor-widget elementor-widget-heading\" data-id=\"ff91f33\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Sales Procedure Guide<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8af7f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"3c8af7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-59ae9d3 elementor-widget elementor-widget-spacer\" data-id=\"59ae9d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-af5cfb9 elementor-widget elementor-widget-heading\" data-id=\"af5cfb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">3.4 \/\/ Affordability<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-8c55a1c elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"8c55a1c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;57096b4&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wide\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-cbd0eed\" data-id=\"cbd0eed\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4d51881 elementor-mobile-align-flex-start elementor-align-left elementor-widget elementor-widget-raven-breadcrumbs\" data-id=\"4d51881\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"raven-breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"raven-breadcrumbs raven-breadcrumbs-default\"><div class=\"breadcrumb\">\t\t\t\t<div class=\"breadcrumb-item active\" aria-current=\"page\"><span>Home<\/span><\/div>\n\n\t\t\t\t<\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f145fae elementor-widget elementor-widget-heading\" data-id=\"f145fae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Affordability<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0f51308 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0f51308\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0ba6dae elementor-widget elementor-widget-text-editor\" data-id=\"0ba6dae\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tEvolution and our dealers must have processes in place to meet the FCA requirements for credit brokers, found in CONC 5.4, relating to affordability.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7bdaf1c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"7bdaf1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f06315b elementor-widget elementor-widget-text-editor\" data-id=\"f06315b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>These include\u00a0<strong>CONC 5.4.2R:<\/strong><\/p><p><em>(1) In giving explanations or advice, or in making recommendations, a firm must pay due regard to the customer\u2019s needs and circumstances. (2) In complying with (1) a firm must pay due regard to whether the credit product is affordable and whether there are any factors that the firm knows, or reasonably ought to know, that may make the product unsuitable for that customer.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-842deb3\" data-id=\"842deb3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2f22b0c elementor-hidden-phone\" data-id=\"2f22b0c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3b20b2d elementor-widget elementor-widget-sidebar\" data-id=\"3b20b2d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"sidebar.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div id=\"block-4\" class=\"jupiterx-widget widget_block block-4 widget_block\"><div class=\"jupiterx-widget-content\"><span style=\"font-size: 24px; font-weight:300;margin-bottom:20px;\">Sales Procedure Guide<\/span>\n\n<hr \/><\/div><\/div><div id=\"nav_menu-8\" class=\"jupiterx-widget widget_nav_menu nav_menu-8 widget_nav_menu\"><div class=\"jupiterx-widget-content\"><style >.jupiterx-widget-nav-menu-vertical > .menu-item{margin-bottom:0px}<\/style><div class=\"menu-sales-procedure-guide-part-two-container\"><ul id=\"menu-sales-procedure-guide-part-two\" class=\"jupiterx-widget-nav-menu-vertical\"><li id=\"menu-item-17199\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17199\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/\">Home<\/a><\/li>\n<li id=\"menu-item-17202\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17202\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/dealer-sales-procedures\/\">3.0 Dealer Sales Procedures<\/a><\/li>\n<li id=\"menu-item-17201\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17201\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/disclosures\/\">3.1 Disclosures<\/a><\/li>\n<li id=\"menu-item-17210\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17210\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/financial-promotions\/\">3.2 Financial Promotions<\/a><\/li>\n<li id=\"menu-item-17211\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17211\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/consumer-duty\/\">3.3 Consumer Duty<\/a><\/li>\n<li id=\"menu-item-17208\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17208\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/\">3.4 Affordability<\/a><\/li>\n<li id=\"menu-item-17207\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17207\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/vulnerable-customers\/\">3.5 Vulnerable Customers<\/a><\/li>\n<li id=\"menu-item-17206\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17206\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/anti-money-laundering-and-fraud-prevention\/\">3.6 Anti-Money Laundering and Fraud Prevention<\/a><\/li>\n<li id=\"menu-item-17205\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17205\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/complaints\/\">3.7 Complaints<\/a><\/li>\n<li id=\"menu-item-17204\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17204\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/data-protection\/\">3.8 Data Protection<\/a><\/li>\n<li id=\"menu-item-17203\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17203\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/training\/\">3.9 Training<\/a><\/li>\n<li id=\"menu-item-17200\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17200\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/smcr-framework\/\">3.10 SMCR Framework<\/a><\/li>\n<li id=\"menu-item-17209\" class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-17209\"><a href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/communication-with-the-regulator\/\">3.11 Communication with the Regulator<\/a><\/li>\n<\/ul><\/div><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5613f38 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"5613f38\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;ffc915a&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8ecc6e8\" data-id=\"8ecc6e8\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-72bffbe elementor-widget elementor-widget-image\" data-id=\"72bffbe\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"539\" height=\"124\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/02\/DealerZone-Logo.png\" class=\"attachment-large size-large wp-image-17075\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/02\/DealerZone-Logo.png 539w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2024\/02\/DealerZone-Logo-300x69.png 300w\" sizes=\"(max-width: 539px) 100vw, 539px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ba7c720 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"ba7c720\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-eed0cfb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"eed0cfb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-a56f2df\" data-id=\"a56f2df\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-749226e elementor-widget elementor-widget-text-editor\" data-id=\"749226e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"p1\">DealerZone has been designed with CONC 5.4 in mind and includes:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3a9c532 elementor-section-content-top elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3a9c532\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[{&quot;jet_parallax_layout_image&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;_id&quot;:&quot;720295d&quot;,&quot;jet_parallax_layout_image_tablet&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_image_mobile&quot;:{&quot;url&quot;:&quot;&quot;,&quot;id&quot;:&quot;&quot;,&quot;size&quot;:&quot;&quot;},&quot;jet_parallax_layout_speed&quot;:{&quot;unit&quot;:&quot;%&quot;,&quot;size&quot;:50,&quot;sizes&quot;:[]},&quot;jet_parallax_layout_type&quot;:&quot;scroll&quot;,&quot;jet_parallax_layout_direction&quot;:&quot;1&quot;,&quot;jet_parallax_layout_fx_direction&quot;:null,&quot;jet_parallax_layout_z_index&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x&quot;:50,&quot;jet_parallax_layout_bg_x_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_x_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y&quot;:50,&quot;jet_parallax_layout_bg_y_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_y_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size&quot;:&quot;auto&quot;,&quot;jet_parallax_layout_bg_size_tablet&quot;:&quot;&quot;,&quot;jet_parallax_layout_bg_size_mobile&quot;:&quot;&quot;,&quot;jet_parallax_layout_animation_prop&quot;:&quot;transform&quot;,&quot;jet_parallax_layout_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;]}]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5c91d42 elementor-invisible\" data-id=\"5c91d42\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c07e62b elementor-widget elementor-widget-image\" data-id=\"c07e62b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"374\" height=\"374\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/1.png\" class=\"attachment-large size-large wp-image-15821\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/1.png 374w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/1-300x300.png 300w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/1-150x150.png 150w\" sizes=\"(max-width: 374px) 100vw, 374px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c12c85a elementor-widget elementor-widget-spacer\" data-id=\"c12c85a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6814d46 elementor-widget elementor-widget-text-editor\" data-id=\"6814d46\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Steps in the application process to check customer affordability designed to capture crucial information that our lenders require to make responsible lending decisions.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-9880a79 elementor-invisible\" data-id=\"9880a79\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:200}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-970f8e5 elementor-widget elementor-widget-image\" data-id=\"970f8e5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"374\" height=\"374\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/2.png\" class=\"attachment-large size-large wp-image-15822\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/2.png 374w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/2-300x300.png 300w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/2-150x150.png 150w\" sizes=\"(max-width: 374px) 100vw, 374px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e5bf66d elementor-widget elementor-widget-spacer\" data-id=\"e5bf66d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b292d6 elementor-widget elementor-widget-text-editor\" data-id=\"5b292d6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our dynamic data capture solution that profiles a customer\u2019s application as you key in critical data and adjusts the required mandatory fields accordingly.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-6203404 elementor-invisible\" data-id=\"6203404\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;,&quot;animation_delay&quot;:400}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ed903c elementor-widget elementor-widget-image\" data-id=\"7ed903c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"374\" height=\"374\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/3.png\" class=\"attachment-large size-large wp-image-15823\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/3.png 374w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/3-300x300.png 300w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/10\/3-150x150.png 150w\" sizes=\"(max-width: 374px) 100vw, 374px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fceeb4b elementor-widget elementor-widget-spacer\" data-id=\"fceeb4b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d5bd382 elementor-widget elementor-widget-text-editor\" data-id=\"d5bd382\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Enhanced capture of settlement details. Whilst not mandatory, the details of the settlement funder and the monthly repayment on the settlement loan can be entered. This useful information can assist Evolution and our lenders in the underwriting process and affordability assessment.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c4aeda9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c4aeda9\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-f61d6d3\" data-id=\"f61d6d3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5874a7f elementor-widget elementor-widget-image\" data-id=\"5874a7f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"399\" src=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/12\/Affordability4-1024x399.png\" class=\"attachment-large size-large wp-image-16493\" alt=\"\" srcset=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/12\/Affordability4-1024x399.png 1024w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/12\/Affordability4-300x117.png 300w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/12\/Affordability4-768x299.png 768w, https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2023\/12\/Affordability4.png 1200w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6babfeb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6babfeb\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-67c23c7\" data-id=\"67c23c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f30327f elementor-widget elementor-widget-spacer\" data-id=\"f30327f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce2852d elementor-widget elementor-widget-text-editor\" data-id=\"ce2852d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Finally, customers are asked before submission to confirm that the loan they are applying for is, in their assessment, affordable for them. They must give details of any reasons why the loan may not be affordable throughout the duration of the loan.<\/p>\n<p>If they select this option, a free format box allows them to give details that will be transferred to our underwriters. Please note that all applications of this nature will be referred to manual underwriting and will not go through the automated decision systems.<\/p>\n<p><b>We also ask that you not use this as a general notes section<\/b>. It is specifically for capturing information about affordability and will only appear if the customer selects to say they believe the loan may not be affordable.<\/p>\n<p>If you become aware of this information after your customer has been proposed, you should contact our underwriting team as soon as possible.<\/p>\n<p>More information on the role and responsibility that Evolution and our dealers have in assessing customer affordability can be found in CONC 5.4.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf0f95b elementor-align-left elementor-widget elementor-widget-button\" data-id=\"bf0f95b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.handbook.fca.org.uk\/handbook\/CONC\/5\/4.html\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">View CONC 5.4<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-0c478ab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0c478ab\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e495004\" data-id=\"e495004\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-23c6d1f elementor-widget elementor-widget-spacer\" data-id=\"23c6d1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-70ed1c0 elementor-section-boxed elementor-section-height-default elementor-section-height-default elementor-invisible\" data-id=\"70ed1c0\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;gradient&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-db1a167\" data-id=\"db1a167\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-454d6dd elementor-widget elementor-widget-heading\" data-id=\"454d6dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Next \/\/ 3.5 Vulnerable Customers<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7fedd45\" data-id=\"7fedd45\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5b2ca01 elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"5b2ca01\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/vulnerable-customers\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Continue<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-523f0ce elementor-widget elementor-widget-spacer\" data-id=\"523f0ce\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Sales Procedure Guide 3.4\u00a0\/\/\u00a0Affordability Sales Procedure Guide 3.4 \/\/ Affordability Home Affordability Evolution and our dealers must have processes in place to meet the FCA requirements for credit brokers, found in CONC 5.4, relating to affordability. These include\u00a0CONC 5.4.2R: (1) In giving explanations or advice, or in making recommendations, a firm must pay due regard [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":9475,"parent":15880,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-17073","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>3.4 Affordability - Evolution Funding<\/title>\n<meta name=\"robots\" content=\"noindex, nofollow\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3.4 Affordability - Evolution Funding\" \/>\n<meta property=\"og:description\" content=\"Sales Procedure Guide 3.4\u00a0\/\/\u00a0Affordability Sales Procedure Guide 3.4 \/\/ Affordability Home Affordability Evolution and our dealers must have processes in place to meet the FCA requirements for credit brokers, found in CONC 5.4, relating to affordability. These include\u00a0CONC 5.4.2R: (1) In giving explanations or advice, or in making recommendations, a firm must pay due regard [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/\" \/>\n<meta property=\"og:site_name\" content=\"Evolution Funding\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-20T13:26:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png\" \/>\n\t<meta property=\"og:image:width\" content=\"895\" \/>\n\t<meta property=\"og:image:height\" content=\"895\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/\",\"url\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/\",\"name\":\"3.4 Affordability - Evolution Funding\",\"isPartOf\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png\",\"datePublished\":\"2024-02-09T14:41:15+00:00\",\"dateModified\":\"2026-02-20T13:26:13+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage\",\"url\":\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png\",\"contentUrl\":\"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png\",\"width\":895,\"height\":895},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.evolutionfunding.com\/public\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Sales Procedure Guide\",\"item\":\"https:\/\/www.evolutionfunding.comsales-procedure-guide\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"3.4 Affordability\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.evolutionfunding.com\/#website\",\"url\":\"https:\/\/www.evolutionfunding.com\/\",\"name\":\"Evolution Funding\",\"description\":\"The UK&#039;s largest motor finance broker and technology provider\",\"publisher\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.evolutionfunding.com\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.evolutionfunding.com\/#organization\",\"name\":\"Evolution Funding\",\"url\":\"https:\/\/www.evolutionfunding.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\/\/www.evolutionfunding.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/wp-content\/uploads\/2019\/04\/EVF-logo_1@2x.png\",\"contentUrl\":\"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/wp-content\/uploads\/2019\/04\/EVF-logo_1@2x.png\",\"width\":387,\"height\":95,\"caption\":\"Evolution Funding\"},\"image\":{\"@id\":\"https:\/\/www.evolutionfunding.com\/#\/schema\/logo\/image\/\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"3.4 Affordability - Evolution Funding","robots":{"index":"noindex","follow":"nofollow"},"og_locale":"en_GB","og_type":"article","og_title":"3.4 Affordability - Evolution Funding","og_description":"Sales Procedure Guide 3.4\u00a0\/\/\u00a0Affordability Sales Procedure Guide 3.4 \/\/ Affordability Home Affordability Evolution and our dealers must have processes in place to meet the FCA requirements for credit brokers, found in CONC 5.4, relating to affordability. These include\u00a0CONC 5.4.2R: (1) In giving explanations or advice, or in making recommendations, a firm must pay due regard [&hellip;]","og_url":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/","og_site_name":"Evolution Funding","article_modified_time":"2026-02-20T13:26:13+00:00","og_image":[{"width":895,"height":895,"url":"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png","type":"image\/png"}],"twitter_card":"summary_large_image","twitter_misc":{"Estimated reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/","url":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/","name":"3.4 Affordability - Evolution Funding","isPartOf":{"@id":"https:\/\/www.evolutionfunding.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage"},"image":{"@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage"},"thumbnailUrl":"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png","datePublished":"2024-02-09T14:41:15+00:00","dateModified":"2026-02-20T13:26:13+00:00","breadcrumb":{"@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#primaryimage","url":"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png","contentUrl":"https:\/\/www.evolutionfunding.com\/public\/wp-content\/uploads\/2022\/07\/Meta-Generic-EVF.png","width":895,"height":895},{"@type":"BreadcrumbList","@id":"https:\/\/www.evolutionfunding.com\/public\/sales-procedure-guide\/affordability\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.evolutionfunding.com\/public\/"},{"@type":"ListItem","position":2,"name":"Sales Procedure Guide","item":"https:\/\/www.evolutionfunding.comsales-procedure-guide\/"},{"@type":"ListItem","position":3,"name":"3.4 Affordability"}]},{"@type":"WebSite","@id":"https:\/\/www.evolutionfunding.com\/#website","url":"https:\/\/www.evolutionfunding.com\/","name":"Evolution Funding","description":"The UK&#039;s largest motor finance broker and technology provider","publisher":{"@id":"https:\/\/www.evolutionfunding.com\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.evolutionfunding.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.evolutionfunding.com\/#organization","name":"Evolution Funding","url":"https:\/\/www.evolutionfunding.com\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.evolutionfunding.com\/#\/schema\/logo\/image\/","url":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/wp-content\/uploads\/2019\/04\/EVF-logo_1@2x.png","contentUrl":"https:\/\/stg-evopublic-testupdates.kinsta.cloud\/public\/wp-content\/uploads\/2019\/04\/EVF-logo_1@2x.png","width":387,"height":95,"caption":"Evolution Funding"},"image":{"@id":"https:\/\/www.evolutionfunding.com\/#\/schema\/logo\/image\/"}}]}},"_links":{"self":[{"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/pages\/17073","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/comments?post=17073"}],"version-history":[{"count":34,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/pages\/17073\/revisions"}],"predecessor-version":[{"id":18594,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/pages\/17073\/revisions\/18594"}],"up":[{"embeddable":true,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/pages\/15880"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/media\/9475"}],"wp:attachment":[{"href":"https:\/\/www.evolutionfunding.com\/public\/wp-json\/wp\/v2\/media?parent=17073"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}