Free · 90 seconds · No credit check
The mortgage readiness check
Six questions. At the end you get a score out of 100, a grade on each of the three keys a lender turns, an indicative borrowing figure and a short list of exactly what to fix first. No hard search, nothing on your file, and no email needed to see the result.
Question 1 of 5
What are you trying to do?
Every route is judged differently, so this decides which rules we apply to everything that follows.
Question 2 of 5
When do you want this done?
There is no wrong answer. It changes what we would tell you to do first, not whether we can help.
Question 3 of 5
How are you paid?
This is where lender choice matters most. The same accounts can be read four different ways.
Question 4 of 5
What does your credit record look like?
Be honest with this one - it is the whole point of the exercise, and nothing here is recorded against you.
Question 5 of 5
The numbers.
Approximate is fine. Nothing is verified and nothing is sent anywhere - this all runs in your browser.
Your result
out of 100
Working it out...
Key one
Deposit
Key two
Income
Key three
Record
- Most you could realistically borrow-
- Purchase price that reaches-
- Loan to value-
What to do next
Send this to Craig
Your answers go with the enquiry, so the first reply is about your situation rather than a generic brochure. No credit check, and no obligation.
Runs entirely in your browser. Nothing is sent until you choose to send it.
Why bother
Because the alternative is finding out the expensive way.
Most people discover which of the three keys does not turn after an agent has taken their offer and a lender has run a hard search. By then a decline is on the file and the next application is harder.
Nothing touches your credit file
This is arithmetic, not an application. There is no search, soft or hard, and no lender is involved.
You see the result either way
The score, the grades and the actions appear whether or not you send anything. Sending it just makes the reply specific.
It will tell you no
If applying now would get you declined, the check says so and tells you what to change. That is more useful than a lead form pretending everything is fine.