The lender that'll offer you the most might not be the one you'd expect
Checking every lender side by side means you can walk into a broker conversation knowing exactly where you stand. No surprises, no missed options, and no settling for a lower amount because you only checked the obvious names.
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Credit Searches
Your payslip, read the way lenders read it
Most affordability tools ask you to guess your income figures. Get it wrong and your results are meaningless.
Our AI reads your payslip and extracts exactly what lenders will use — basic pay, overtime, bonus, commission — broken down the way each lender calculates it. Better inputs mean more accurate results.
- Automatic income breakdown from your payslip
- Identifies bonus, overtime & commission separately
- No other tool offers this
Sample AI Extraction
Real results
Trusted by Home Buyers Across the UK
“I had no idea different lenders would offer such different amounts. One offered me £40k more than my bank — I would have completely missed it.”
Sarah T.
First-time buyer, Manchester
“Took 2 minutes to fill in and I had results from 58 lenders. My broker said the report saved her hours of work.”
James R.
Home mover, Bristol
“The AI payslip feature is brilliant. It picked up my overtime income that I wouldn’t have known to include manually.”
Priya K.
First-time buyer, London
Have bad credit?
CCJs, defaults, missed payments, bankruptcy, or IVAs don't automatically mean you can't get a mortgage. Our adverse credit calculator filters out lenders who won't help and shows you the ones who might.
FAQ
Frequently Asked Questions
No. We check each lender’s affordability criteria using the income and financial details you provide. We never access your credit file, and your credit score is completely unaffected.
Very. We use each lender’s actual affordability calculator or published criteria — the same tools mortgage brokers use. Results reflect what lenders would offer based on the income details you provide. The only thing we can’t account for is your credit history, which lenders assess separately.
No. A Decision in Principle (DIP) involves a credit check from a single lender. Our tool checks affordability across 58 lenders without touching your credit file. Think of it as the step before a DIP — it tells you which lenders to approach.
Mortgage affordability is how much a lender will let you borrow based on your income, outgoings, and their own criteria. Every lender calculates this differently — which is why the same person can be offered £250,000 by one lender and £320,000 by another. Our tool shows you the full range.
Each lender has its own formula for assessing income, overtime, bonuses, and expenditure. Some are more generous with bonus income, others have lower stress rates, and some accept income types that others ignore entirely. Checking multiple lenders reveals opportunities you’d otherwise miss.
Download your PDF report and take it to any mortgage broker or advisor. It shows exactly what each lender would offer, so your broker can find you the best deal without guesswork.
