The chief reporter at Money Mail has heard that telecoms providers have changed the way they charge for mobile contracts – half of it is now a loan. She's been told this may affect mortgage borrowing without families realising, e.g. a family of four paying £25/mth could see the amount they are able to borrow reduced by £25k (based on a £200k mortgage). Is this the case? Have you experienced it? Any other thoughts? Deadline is COB.