How It Works
Three simple steps to find out how much 58 UK lenders would offer you — no credit search, no obligations, results in minutes.
The whole check, start to finish · 2 minutes · no credit search
Step One
Tell Us About Yourself
Start by entering your basic financial details.
- Manual entry — type in your annual salary, any bonus, overtime or commission you receive, and other income sources.
Buying with someone else? Add a joint applicant and we will check your combined affordability too.
Step Two
We Check 58 Lenders
Our technology connects to all 58 lenders on our panel simultaneously and checks your affordability against each one. We use each lender's actual affordability calculator.
- High street banks, building societies and specialist lenders all checked at once
- No credit search is performed — your credit score is not affected
- Results typically ready in 2-3 minutes
Step Three
Get Your Personalised Report
See exactly how much each lender would offer you, sorted from highest to lowest. Your results include:
- Maximum borrowing amount from each lender, ranked for easy comparison
- Downloadable PDF report you can take to any mortgage broker or advisor
- Detailed breakdown showing how each lender assessed your application
Frequently Asked Questions
Is this service really free?
Yes, this is completely free to use. We check 58 UK lenders with no hidden charges, no subscriptions and no credit search.
How accurate are the results?
Our calculations are based on each lender's published affordability criteria, stress test rates, and income multiples. Results are indicative estimates — actual mortgage offers depend on additional factors like credit history and property valuation. The tool is built and maintained by a CeMAP-qualified mortgage advisor.
Do you sell my data?
No. We do not share, sell, or pass your information to any lender, broker, or third party. Your data is used solely to calculate your affordability results.
How is this different from a mortgage broker?
We show you what every lender would offer based on your income and circumstances, so you can see the full picture before speaking to anyone. A mortgage broker then helps you choose the right product and submit your application. Many users take our report to their broker to save time.
Does it affect my credit score?
No. We do not perform any credit searches. Your credit file is not accessed or affected. You can check as many times as you like without any impact.
Ready to Check Your Affordability?
Find out how much you could borrow from 58 UK lenders. Free to start, no credit search required.
Start Your Free Comparison
