I suspect remote/on-prem would be much less important than the difference between permanent employee with predictable salary versus freelancer/contractor with less predictable income.
If the bank were really on the ball they might try to estimate the probability of you losing your income stream and the probability you'd be able to replace it with a new one to keep paying off the mortgage. Then where you lived and what local opportunities for work were available might come into it. Giving a loan to a person in a small town with only one big employer / one industry is riskier than giving a loan to someone in a location where there are many alternative opportunities for employment. But on the other hand, land is probably cheaper in the small town, so the loan might be smaller..
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I suspect remote/on-prem would be much less important than the difference between permanent employee with predictable salary versus freelancer/contractor with less predictable income.
If the bank were really on the ball they might try to estimate the probability of you losing your income stream and the probability you'd be able to replace it with a new one to keep paying off the mortgage. Then where you lived and what local opportunities for work were available might come into it. Giving a loan to a person in a small town with only one big employer / one industry is riskier than giving a loan to someone in a location where there are many alternative opportunities for employment. But on the other hand, land is probably cheaper in the small town, so the loan might be smaller..